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$17,720
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,271
−HK$560/mo
Today · 4.125%
HK$18,831
baseline
▲ 0.50% · 4.625%
HK$19,976
+HK$1,145/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,662/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,713
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,241
−HK$537/mo
Today · 4.125%
HK$20,778
baseline
▲ 0.50% · 4.625%
HK$21,873
+HK$1,095/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,556/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,263
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,925
−HK$672/mo
Today · 4.125%
HK$22,597
baseline
▲ 0.50% · 4.625%
HK$23,972
+HK$1,375/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,194/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,655
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,290
−HK$643/mo
Today · 4.125%
HK$24,933
baseline
▲ 0.50% · 4.625%
HK$26,248
+HK$1,315/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,866/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,807
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,579
−HK$784/mo
Today · 4.125%
HK$26,363
baseline
▲ 0.50% · 4.625%
HK$27,967
+HK$1,604/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,726/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,598
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,338
−HK$751/mo
Today · 4.125%
HK$29,089
baseline
▲ 0.50% · 4.625%
HK$30,622
+HK$1,533/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,178/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,895
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,887
−HK$1,008/mo
Today · 4.125%
HK$33,895
baseline
▲ 0.50% · 4.625%
HK$35,958
+HK$2,063/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$67,790/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,483
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,435
−HK$965/mo
Today · 4.125%
HK$37,400
baseline
▲ 0.50% · 4.625%
HK$39,371
+HK$1,971/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$74,800/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,126 · 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).