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$17,898
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,455
−HK$565/mo
Today · 4.125%
HK$19,020
baseline
▲ 0.50% · 4.625%
HK$20,178
+HK$1,158/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$38,040/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,911
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,445
−HK$542/mo
Today · 4.125%
HK$20,987
baseline
▲ 0.50% · 4.625%
HK$22,093
+HK$1,106/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,974/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,478
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,146
−HK$678/mo
Today · 4.125%
HK$22,824
baseline
▲ 0.50% · 4.625%
HK$24,213
+HK$1,389/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,648/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,894
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,534
−HK$650/mo
Today · 4.125%
HK$25,184
baseline
▲ 0.50% · 4.625%
HK$26,512
+HK$1,328/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,368/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,057
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,837
−HK$791/mo
Today · 4.125%
HK$26,628
baseline
▲ 0.50% · 4.625%
HK$28,249
+HK$1,621/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,256/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,876
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,623
−HK$759/mo
Today · 4.125%
HK$29,382
baseline
▲ 0.50% · 4.625%
HK$30,931
+HK$1,549/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,764/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,216
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$33,218
−HK$1,019/mo
Today · 4.125%
HK$34,237
baseline
▲ 0.50% · 4.625%
HK$36,320
+HK$2,083/mo
Deposit HK$785K · loan HK$7.06M · min. income ≈ HK$68,474/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,840
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$36,802
−HK$975/mo
Today · 4.125%
HK$37,777
baseline
▲ 0.50% · 4.625%
HK$39,768
+HK$1,991/mo
Deposit HK$785K · loan HK$7.06M · min. income ≈ HK$75,554/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,474 · 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).