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$17,619
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,167
−HK$557/mo
Today · 4.125%
HK$18,724
baseline
▲ 0.50% · 4.625%
HK$19,863
+HK$1,139/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,448/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,601
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,126
−HK$534/mo
Today · 4.125%
HK$20,660
baseline
▲ 0.50% · 4.625%
HK$21,749
+HK$1,089/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,320/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,142
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,800
−HK$668/mo
Today · 4.125%
HK$22,468
baseline
▲ 0.50% · 4.625%
HK$23,835
+HK$1,367/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,936/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,521
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,152
−HK$639/mo
Today · 4.125%
HK$24,791
baseline
▲ 0.50% · 4.625%
HK$26,098
+HK$1,307/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,582/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,666
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,433
−HK$780/mo
Today · 4.125%
HK$26,213
baseline
▲ 0.50% · 4.625%
HK$27,808
+HK$1,595/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,426/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,441
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,177
−HK$746/mo
Today · 4.125%
HK$28,923
baseline
▲ 0.50% · 4.625%
HK$30,448
+HK$1,525/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,846/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,714
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,700
−HK$1,002/mo
Today · 4.125%
HK$33,702
baseline
▲ 0.50% · 4.625%
HK$35,753
+HK$2,051/mo
Deposit HK$773K · loan HK$6.95M · min. income ≈ HK$67,404/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,281
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,227
−HK$960/mo
Today · 4.125%
HK$37,187
baseline
▲ 0.50% · 4.625%
HK$39,147
+HK$1,960/mo
Deposit HK$773K · loan HK$6.95M · min. income ≈ HK$74,374/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,799 · 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).