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$19,083
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,677
−HK$603/mo
Today · 4.125%
HK$20,280
baseline
▲ 0.50% · 4.625%
HK$21,514
+HK$1,234/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,560/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,230
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,799
−HK$578/mo
Today · 4.125%
HK$22,377
baseline
▲ 0.50% · 4.625%
HK$23,556
+HK$1,179/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,754/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,900
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,612
−HK$724/mo
Today · 4.125%
HK$24,336
baseline
▲ 0.50% · 4.625%
HK$25,816
+HK$1,480/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,672/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,476
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,159
−HK$693/mo
Today · 4.125%
HK$26,852
baseline
▲ 0.50% · 4.625%
HK$28,267
+HK$1,415/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,704/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,716
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,547
−HK$845/mo
Today · 4.125%
HK$28,392
baseline
▲ 0.50% · 4.625%
HK$30,119
+HK$1,727/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,784/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,722
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,519
−HK$808/mo
Today · 4.125%
HK$31,327
baseline
▲ 0.50% · 4.625%
HK$32,979
+HK$1,652/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,654/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,350
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,418
−HK$1,086/mo
Today · 4.125%
HK$36,504
baseline
▲ 0.50% · 4.625%
HK$38,725
+HK$2,221/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$73,008/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,214
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,238
−HK$1,040/mo
Today · 4.125%
HK$40,278
baseline
▲ 0.50% · 4.625%
HK$42,401
+HK$2,123/mo
Deposit HK$837K · loan HK$7.53M · min. income ≈ HK$80,556/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,065 · 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).