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$17,700
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,251
−HK$559/mo
Today · 4.125%
HK$18,810
baseline
▲ 0.50% · 4.625%
HK$19,955
+HK$1,145/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,620/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,691
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,219
−HK$536/mo
Today · 4.125%
HK$20,755
baseline
▲ 0.50% · 4.625%
HK$21,849
+HK$1,094/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,510/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,240
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,901
−HK$671/mo
Today · 4.125%
HK$22,572
baseline
▲ 0.50% · 4.625%
HK$23,946
+HK$1,374/mo
Deposit HK$3.10M · loan HK$4.66M · min. income ≈ HK$45,144/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,630
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,263
−HK$643/mo
Today · 4.125%
HK$24,906
baseline
▲ 0.50% · 4.625%
HK$26,219
+HK$1,313/mo
Deposit HK$3.10M · loan HK$4.66M · min. income ≈ HK$49,812/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,780
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,551
−HK$783/mo
Today · 4.125%
HK$26,334
baseline
▲ 0.50% · 4.625%
HK$27,937
+HK$1,603/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,668/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,568
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,307
−HK$750/mo
Today · 4.125%
HK$29,057
baseline
▲ 0.50% · 4.625%
HK$30,589
+HK$1,532/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,114/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,860
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,851
−HK$1,007/mo
Today · 4.125%
HK$33,858
baseline
▲ 0.50% · 4.625%
HK$35,918
+HK$2,060/mo
Deposit HK$776K · loan HK$6.99M · min. income ≈ HK$67,716/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,444
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,395
−HK$964/mo
Today · 4.125%
HK$37,359
baseline
▲ 0.50% · 4.625%
HK$39,329
+HK$1,970/mo
Deposit HK$776K · loan HK$6.99M · min. income ≈ HK$74,718/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,872 · 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).