The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$18,453
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,027
−HK$584/mo
Today · 4.125%
HK$19,611
baseline
▲ 0.50% · 4.625%
HK$20,804
+HK$1,193/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,222/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,529
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,080
−HK$558/mo
Today · 4.125%
HK$21,638
baseline
▲ 0.50% · 4.625%
HK$22,779
+HK$1,141/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,276/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,144
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,833
−HK$700/mo
Today · 4.125%
HK$23,533
baseline
▲ 0.50% · 4.625%
HK$24,965
+HK$1,432/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,066/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,635
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,296
−HK$670/mo
Today · 4.125%
HK$25,966
baseline
▲ 0.50% · 4.625%
HK$27,335
+HK$1,369/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,932/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,835
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,638
−HK$817/mo
Today · 4.125%
HK$27,455
baseline
▲ 0.50% · 4.625%
HK$29,125
+HK$1,670/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$54,910/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,741
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,512
−HK$782/mo
Today · 4.125%
HK$30,294
baseline
▲ 0.50% · 4.625%
HK$31,891
+HK$1,597/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$60,588/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,216
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,249
−HK$1,050/mo
Today · 4.125%
HK$35,299
baseline
▲ 0.50% · 4.625%
HK$37,447
+HK$2,148/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,598/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,953
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,944
−HK$1,005/mo
Today · 4.125%
HK$38,949
baseline
▲ 0.50% · 4.625%
HK$41,002
+HK$2,053/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,898/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,782 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).