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$17,973
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,532
−HK$568/mo
Today · 4.125%
HK$19,100
baseline
▲ 0.50% · 4.625%
HK$20,262
+HK$1,162/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,200/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,995
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,531
−HK$544/mo
Today · 4.125%
HK$21,075
baseline
▲ 0.50% · 4.625%
HK$22,186
+HK$1,111/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,150/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,567
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,238
−HK$682/mo
Today · 4.125%
HK$22,920
baseline
▲ 0.50% · 4.625%
HK$24,314
+HK$1,394/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,840/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,993
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,637
−HK$653/mo
Today · 4.125%
HK$25,290
baseline
▲ 0.50% · 4.625%
HK$26,623
+HK$1,333/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,580/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,162
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,945
−HK$795/mo
Today · 4.125%
HK$26,740
baseline
▲ 0.50% · 4.625%
HK$28,367
+HK$1,627/mo
Deposit HK$2.36M · loan HK$5.52M · min. income ≈ HK$53,480/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,992
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,743
−HK$762/mo
Today · 4.125%
HK$29,505
baseline
▲ 0.50% · 4.625%
HK$31,060
+HK$1,555/mo
Deposit HK$2.36M · loan HK$5.52M · min. income ≈ HK$59,010/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,351
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,357
−HK$1,023/mo
Today · 4.125%
HK$34,380
baseline
▲ 0.50% · 4.625%
HK$36,472
+HK$2,092/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$68,760/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,990
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$36,955
−HK$980/mo
Today · 4.125%
HK$37,935
baseline
▲ 0.50% · 4.625%
HK$39,934
+HK$1,999/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$75,870/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,458 · 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).