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$17,769
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,322
−HK$562/mo
Today · 4.125%
HK$18,884
baseline
▲ 0.50% · 4.625%
HK$20,033
+HK$1,149/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,768/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,768
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,298
−HK$538/mo
Today · 4.125%
HK$20,836
baseline
▲ 0.50% · 4.625%
HK$21,935
+HK$1,099/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,672/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,323
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,987
−HK$673/mo
Today · 4.125%
HK$22,660
baseline
▲ 0.50% · 4.625%
HK$24,039
+HK$1,379/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,320/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,722
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,358
−HK$646/mo
Today · 4.125%
HK$25,004
baseline
▲ 0.50% · 4.625%
HK$26,322
+HK$1,318/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,008/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,877
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,651
−HK$786/mo
Today · 4.125%
HK$26,437
baseline
▲ 0.50% · 4.625%
HK$28,046
+HK$1,609/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$52,874/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,676
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,418
−HK$753/mo
Today · 4.125%
HK$29,171
baseline
▲ 0.50% · 4.625%
HK$30,708
+HK$1,537/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$58,342/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,985
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,980
−HK$1,011/mo
Today · 4.125%
HK$33,991
baseline
▲ 0.50% · 4.625%
HK$36,059
+HK$2,068/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,982/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,583
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,537
−HK$968/mo
Today · 4.125%
HK$37,505
baseline
▲ 0.50% · 4.625%
HK$39,482
+HK$1,977/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$75,010/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,782 · 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).