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$17,820
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,374
−HK$564/mo
Today · 4.125%
HK$18,938
baseline
▲ 0.50% · 4.625%
HK$20,090
+HK$1,152/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,876/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,825
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,356
−HK$540/mo
Today · 4.125%
HK$20,896
baseline
▲ 0.50% · 4.625%
HK$21,997
+HK$1,101/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,792/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,384
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,049
−HK$676/mo
Today · 4.125%
HK$22,725
baseline
▲ 0.50% · 4.625%
HK$24,108
+HK$1,383/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,450/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,790
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,428
−HK$647/mo
Today · 4.125%
HK$25,075
baseline
▲ 0.50% · 4.625%
HK$26,397
+HK$1,322/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,150/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,948
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,724
−HK$789/mo
Today · 4.125%
HK$26,513
baseline
▲ 0.50% · 4.625%
HK$28,126
+HK$1,613/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$53,026/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,754
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,499
−HK$755/mo
Today · 4.125%
HK$29,254
baseline
▲ 0.50% · 4.625%
HK$30,796
+HK$1,542/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$58,508/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,076
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,074
−HK$1,014/mo
Today · 4.125%
HK$34,088
baseline
▲ 0.50% · 4.625%
HK$36,162
+HK$2,074/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$68,176/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,684
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,641
−HK$971/mo
Today · 4.125%
HK$37,612
baseline
▲ 0.50% · 4.625%
HK$39,595
+HK$1,983/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$75,224/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,448 · 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).