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$17,872
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,427
−HK$565/mo
Today · 4.125%
HK$18,992
baseline
▲ 0.50% · 4.625%
HK$20,148
+HK$1,156/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$37,984/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,882
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,415
−HK$541/mo
Today · 4.125%
HK$20,956
baseline
▲ 0.50% · 4.625%
HK$22,061
+HK$1,105/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,912/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,446
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,113
−HK$678/mo
Today · 4.125%
HK$22,791
baseline
▲ 0.50% · 4.625%
HK$24,177
+HK$1,386/mo
Deposit HK$3.14M · loan HK$4.70M · min. income ≈ HK$45,582/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,858
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,498
−HK$649/mo
Today · 4.125%
HK$25,147
baseline
▲ 0.50% · 4.625%
HK$26,473
+HK$1,326/mo
Deposit HK$3.14M · loan HK$4.70M · min. income ≈ HK$50,294/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,020
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,798
−HK$791/mo
Today · 4.125%
HK$26,589
baseline
▲ 0.50% · 4.625%
HK$28,207
+HK$1,618/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,178/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,835
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,581
−HK$758/mo
Today · 4.125%
HK$29,339
baseline
▲ 0.50% · 4.625%
HK$30,885
+HK$1,546/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,678/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,169
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,169
−HK$1,017/mo
Today · 4.125%
HK$34,186
baseline
▲ 0.50% · 4.625%
HK$36,266
+HK$2,080/mo
Deposit HK$784K · loan HK$7.05M · min. income ≈ HK$68,372/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,787
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,747
−HK$974/mo
Today · 4.125%
HK$37,721
baseline
▲ 0.50% · 4.625%
HK$39,709
+HK$1,988/mo
Deposit HK$784K · loan HK$7.05M · min. income ≈ HK$75,442/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,126 · 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).