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$18,926
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,515
−HK$598/mo
Today · 4.125%
HK$20,113
baseline
▲ 0.50% · 4.625%
HK$21,337
+HK$1,224/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,226/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,055
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,620
−HK$573/mo
Today · 4.125%
HK$22,193
baseline
▲ 0.50% · 4.625%
HK$23,363
+HK$1,170/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,386/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,712
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,418
−HK$718/mo
Today · 4.125%
HK$24,136
baseline
▲ 0.50% · 4.625%
HK$25,605
+HK$1,469/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,272/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,267
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,944
−HK$688/mo
Today · 4.125%
HK$26,632
baseline
▲ 0.50% · 4.625%
HK$28,035
+HK$1,403/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,264/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,497
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,321
−HK$838/mo
Today · 4.125%
HK$28,159
baseline
▲ 0.50% · 4.625%
HK$29,872
+HK$1,713/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,318/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,478
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,268
−HK$802/mo
Today · 4.125%
HK$31,070
baseline
▲ 0.50% · 4.625%
HK$32,708
+HK$1,638/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,140/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,068
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,127
−HK$1,077/mo
Today · 4.125%
HK$36,204
baseline
▲ 0.50% · 4.625%
HK$38,407
+HK$2,203/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,408/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,900
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,916
−HK$1,031/mo
Today · 4.125%
HK$39,947
baseline
▲ 0.50% · 4.625%
HK$42,053
+HK$2,106/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,894/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,004 · 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).