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$18,652
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,233
−HK$589/mo
Today · 4.125%
HK$19,822
baseline
▲ 0.50% · 4.625%
HK$21,028
+HK$1,206/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,644/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,751
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,307
−HK$565/mo
Today · 4.125%
HK$21,872
baseline
▲ 0.50% · 4.625%
HK$23,025
+HK$1,153/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,744/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,383
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,079
−HK$708/mo
Today · 4.125%
HK$23,787
baseline
▲ 0.50% · 4.625%
HK$25,234
+HK$1,447/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,574/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,901
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,569
−HK$677/mo
Today · 4.125%
HK$26,246
baseline
▲ 0.50% · 4.625%
HK$27,630
+HK$1,384/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,492/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,113
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,926
−HK$825/mo
Today · 4.125%
HK$27,751
baseline
▲ 0.50% · 4.625%
HK$29,440
+HK$1,689/mo
Deposit HK$2.45M · loan HK$5.73M · min. income ≈ HK$55,502/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,051
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,830
−HK$790/mo
Today · 4.125%
HK$30,620
baseline
▲ 0.50% · 4.625%
HK$32,234
+HK$1,614/mo
Deposit HK$2.45M · loan HK$5.73M · min. income ≈ HK$61,240/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,574
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,619
−HK$1,061/mo
Today · 4.125%
HK$35,680
baseline
▲ 0.50% · 4.625%
HK$37,851
+HK$2,171/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$71,360/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,351
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,353
−HK$1,016/mo
Today · 4.125%
HK$39,369
baseline
▲ 0.50% · 4.625%
HK$41,444
+HK$2,075/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$78,738/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,400 · 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).