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$18,388
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,960
−HK$581/mo
Today · 4.125%
HK$19,541
baseline
▲ 0.50% · 4.625%
HK$20,730
+HK$1,189/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$39,082/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,457
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,005
−HK$557/mo
Today · 4.125%
HK$21,562
baseline
▲ 0.50% · 4.625%
HK$22,698
+HK$1,136/mo
Deposit HK$4.03M · loan HK$4.03M · min. income ≈ HK$43,124/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$241,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,066
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,752
−HK$698/mo
Today · 4.125%
HK$23,450
baseline
▲ 0.50% · 4.625%
HK$24,876
+HK$1,426/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,900/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,548
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,206
−HK$668/mo
Today · 4.125%
HK$25,874
baseline
▲ 0.50% · 4.625%
HK$27,238
+HK$1,364/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,748/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$241,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,743
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,544
−HK$814/mo
Today · 4.125%
HK$27,358
baseline
▲ 0.50% · 4.625%
HK$29,022
+HK$1,664/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$54,716/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,639
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,407
−HK$780/mo
Today · 4.125%
HK$30,187
baseline
▲ 0.50% · 4.625%
HK$31,778
+HK$1,591/mo
Deposit HK$2.42M · loan HK$5.64M · min. income ≈ HK$60,374/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$241,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,099
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,128
−HK$1,046/mo
Today · 4.125%
HK$35,174
baseline
▲ 0.50% · 4.625%
HK$37,315
+HK$2,141/mo
Deposit HK$806K · loan HK$7.26M · min. income ≈ HK$70,348/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,822
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,809
−HK$1,002/mo
Today · 4.125%
HK$38,811
baseline
▲ 0.50% · 4.625%
HK$40,857
+HK$2,046/mo
Deposit HK$806K · loan HK$7.26M · min. income ≈ HK$77,622/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,923 · 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).