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$18,088
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,651
−HK$572/mo
Today · 4.125%
HK$19,223
baseline
▲ 0.50% · 4.625%
HK$20,392
+HK$1,169/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,446/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,123
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,663
−HK$547/mo
Today · 4.125%
HK$21,210
baseline
▲ 0.50% · 4.625%
HK$22,328
+HK$1,118/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,420/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,706
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,381
−HK$686/mo
Today · 4.125%
HK$23,067
baseline
▲ 0.50% · 4.625%
HK$24,471
+HK$1,404/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,134/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,148
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,795
−HK$657/mo
Today · 4.125%
HK$25,452
baseline
▲ 0.50% · 4.625%
HK$26,794
+HK$1,342/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,904/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,324
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,112
−HK$800/mo
Today · 4.125%
HK$26,912
baseline
▲ 0.50% · 4.625%
HK$28,549
+HK$1,637/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,824/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,173
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,928
−HK$767/mo
Today · 4.125%
HK$29,695
baseline
▲ 0.50% · 4.625%
HK$31,260
+HK$1,565/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,390/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,559
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,572
−HK$1,029/mo
Today · 4.125%
HK$34,601
baseline
▲ 0.50% · 4.625%
HK$36,706
+HK$2,105/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$69,202/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,222
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,193
−HK$986/mo
Today · 4.125%
HK$38,179
baseline
▲ 0.50% · 4.625%
HK$40,191
+HK$2,012/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$76,358/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,980 · 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).