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$17,738
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,289
−HK$561/mo
Today · 4.125%
HK$18,850
baseline
▲ 0.50% · 4.625%
HK$19,997
+HK$1,147/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,700/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,733
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,262
−HK$537/mo
Today · 4.125%
HK$20,799
baseline
▲ 0.50% · 4.625%
HK$21,896
+HK$1,097/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,598/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,285
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,947
−HK$673/mo
Today · 4.125%
HK$22,620
baseline
▲ 0.50% · 4.625%
HK$23,996
+HK$1,376/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,240/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,680
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,315
−HK$644/mo
Today · 4.125%
HK$24,959
baseline
▲ 0.50% · 4.625%
HK$26,275
+HK$1,316/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,918/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,833
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,605
−HK$785/mo
Today · 4.125%
HK$26,390
baseline
▲ 0.50% · 4.625%
HK$27,996
+HK$1,606/mo
Deposit HK$2.33M · loan HK$5.45M · min. income ≈ HK$52,780/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,626
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,367
−HK$752/mo
Today · 4.125%
HK$29,119
baseline
▲ 0.50% · 4.625%
HK$30,654
+HK$1,535/mo
Deposit HK$2.33M · loan HK$5.45M · min. income ≈ HK$58,238/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,928
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,921
−HK$1,009/mo
Today · 4.125%
HK$33,930
baseline
▲ 0.50% · 4.625%
HK$35,995
+HK$2,065/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$67,860/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,520
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,472
−HK$967/mo
Today · 4.125%
HK$37,439
baseline
▲ 0.50% · 4.625%
HK$39,412
+HK$1,973/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$74,878/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,366 · 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).