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$18,131
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,694
−HK$573/mo
Today · 4.125%
HK$19,267
baseline
▲ 0.50% · 4.625%
HK$20,440
+HK$1,173/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,534/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,170
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,711
−HK$549/mo
Today · 4.125%
HK$21,260
baseline
▲ 0.50% · 4.625%
HK$22,380
+HK$1,120/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,520/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,757
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,433
−HK$688/mo
Today · 4.125%
HK$23,121
baseline
▲ 0.50% · 4.625%
HK$24,528
+HK$1,407/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,242/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,204
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,853
−HK$659/mo
Today · 4.125%
HK$25,512
baseline
▲ 0.50% · 4.625%
HK$26,856
+HK$1,344/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$51,024/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,383
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,172
−HK$802/mo
Today · 4.125%
HK$26,974
baseline
▲ 0.50% · 4.625%
HK$28,616
+HK$1,642/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$53,948/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,238
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$28,995
−HK$769/mo
Today · 4.125%
HK$29,764
baseline
▲ 0.50% · 4.625%
HK$31,333
+HK$1,569/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,528/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,635
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,650
−HK$1,031/mo
Today · 4.125%
HK$34,681
baseline
▲ 0.50% · 4.625%
HK$36,792
+HK$2,111/mo
Deposit HK$795K · loan HK$7.16M · min. income ≈ HK$69,362/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,306
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,280
−HK$988/mo
Today · 4.125%
HK$38,268
baseline
▲ 0.50% · 4.625%
HK$40,285
+HK$2,017/mo
Deposit HK$795K · loan HK$7.16M · min. income ≈ HK$76,536/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,533 · 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).