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$17,732
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,283
−HK$560/mo
Today · 4.125%
HK$18,843
baseline
▲ 0.50% · 4.625%
HK$19,990
+HK$1,147/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,686/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,726
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,255
−HK$537/mo
Today · 4.125%
HK$20,792
baseline
▲ 0.50% · 4.625%
HK$21,888
+HK$1,096/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,584/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,278
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,940
−HK$672/mo
Today · 4.125%
HK$22,612
baseline
▲ 0.50% · 4.625%
HK$23,988
+HK$1,376/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,224/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,671
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,306
−HK$644/mo
Today · 4.125%
HK$24,950
baseline
▲ 0.50% · 4.625%
HK$26,265
+HK$1,315/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,900/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,824
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,596
−HK$785/mo
Today · 4.125%
HK$26,381
baseline
▲ 0.50% · 4.625%
HK$27,986
+HK$1,605/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,762/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,617
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,357
−HK$752/mo
Today · 4.125%
HK$29,109
baseline
▲ 0.50% · 4.625%
HK$30,643
+HK$1,534/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,218/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,917
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,910
−HK$1,008/mo
Today · 4.125%
HK$33,918
baseline
▲ 0.50% · 4.625%
HK$35,982
+HK$2,064/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$67,836/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,507
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,459
−HK$966/mo
Today · 4.125%
HK$37,425
baseline
▲ 0.50% · 4.625%
HK$39,398
+HK$1,973/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$74,850/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,284 · 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).