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$17,641
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,189
−HK$558/mo
Today · 4.125%
HK$18,747
baseline
▲ 0.50% · 4.625%
HK$19,888
+HK$1,141/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,494/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,625
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,151
−HK$534/mo
Today · 4.125%
HK$20,685
baseline
▲ 0.50% · 4.625%
HK$21,776
+HK$1,091/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,370/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,169
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,827
−HK$669/mo
Today · 4.125%
HK$22,496
baseline
▲ 0.50% · 4.625%
HK$23,865
+HK$1,369/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,992/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,550
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,182
−HK$640/mo
Today · 4.125%
HK$24,822
baseline
▲ 0.50% · 4.625%
HK$26,131
+HK$1,309/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,644/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,697
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,465
−HK$781/mo
Today · 4.125%
HK$26,246
baseline
▲ 0.50% · 4.625%
HK$27,843
+HK$1,597/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,492/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,475
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,212
−HK$747/mo
Today · 4.125%
HK$28,959
baseline
▲ 0.50% · 4.625%
HK$30,486
+HK$1,527/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,918/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,753
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,741
−HK$1,003/mo
Today · 4.125%
HK$33,744
baseline
▲ 0.50% · 4.625%
HK$35,798
+HK$2,054/mo
Deposit HK$774K · loan HK$6.96M · min. income ≈ HK$67,488/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,325
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,272
−HK$962/mo
Today · 4.125%
HK$37,234
baseline
▲ 0.50% · 4.625%
HK$39,196
+HK$1,962/mo
Deposit HK$774K · loan HK$6.96M · min. income ≈ HK$74,468/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,088 · 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).