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$17,917
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,474
−HK$567/mo
Today · 4.125%
HK$19,041
baseline
▲ 0.50% · 4.625%
HK$20,199
+HK$1,158/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,082/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,933
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,467
−HK$543/mo
Today · 4.125%
HK$21,010
baseline
▲ 0.50% · 4.625%
HK$22,117
+HK$1,107/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,020/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,501
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,169
−HK$680/mo
Today · 4.125%
HK$22,849
baseline
▲ 0.50% · 4.625%
HK$24,239
+HK$1,390/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,698/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,919
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,561
−HK$650/mo
Today · 4.125%
HK$25,211
baseline
▲ 0.50% · 4.625%
HK$26,540
+HK$1,329/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,422/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,084
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,864
−HK$793/mo
Today · 4.125%
HK$26,657
baseline
▲ 0.50% · 4.625%
HK$28,279
+HK$1,622/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,314/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,906
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,654
−HK$759/mo
Today · 4.125%
HK$29,413
baseline
▲ 0.50% · 4.625%
HK$30,964
+HK$1,551/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,826/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,251
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,254
−HK$1,019/mo
Today · 4.125%
HK$34,273
baseline
▲ 0.50% · 4.625%
HK$36,359
+HK$2,086/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$68,546/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,879
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,841
−HK$976/mo
Today · 4.125%
HK$37,817
baseline
▲ 0.50% · 4.625%
HK$39,811
+HK$1,994/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$75,634/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,726 · 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).