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$18,538
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,115
−HK$586/mo
Today · 4.125%
HK$19,701
baseline
▲ 0.50% · 4.625%
HK$20,899
+HK$1,198/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,402/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,623
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,177
−HK$561/mo
Today · 4.125%
HK$21,738
baseline
▲ 0.50% · 4.625%
HK$22,883
+HK$1,145/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,476/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,246
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,938
−HK$703/mo
Today · 4.125%
HK$23,641
baseline
▲ 0.50% · 4.625%
HK$25,079
+HK$1,438/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,282/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,748
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,412
−HK$673/mo
Today · 4.125%
HK$26,085
baseline
▲ 0.50% · 4.625%
HK$27,460
+HK$1,375/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,170/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,953
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,761
−HK$820/mo
Today · 4.125%
HK$27,581
baseline
▲ 0.50% · 4.625%
HK$29,259
+HK$1,678/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,162/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,873
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,647
−HK$786/mo
Today · 4.125%
HK$30,433
baseline
▲ 0.50% · 4.625%
HK$32,037
+HK$1,604/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,866/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,369
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,407
−HK$1,054/mo
Today · 4.125%
HK$35,461
baseline
▲ 0.50% · 4.625%
HK$37,619
+HK$2,158/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$70,922/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,122
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,118
−HK$1,010/mo
Today · 4.125%
HK$39,128
baseline
▲ 0.50% · 4.625%
HK$41,190
+HK$2,062/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$78,256/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,895 · 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).