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$18,190
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,756
−HK$575/mo
Today · 4.125%
HK$19,331
baseline
▲ 0.50% · 4.625%
HK$20,507
+HK$1,176/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,662/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,236
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,779
−HK$550/mo
Today · 4.125%
HK$21,329
baseline
▲ 0.50% · 4.625%
HK$22,454
+HK$1,125/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,658/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,828
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,507
−HK$690/mo
Today · 4.125%
HK$23,197
baseline
▲ 0.50% · 4.625%
HK$24,608
+HK$1,411/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,394/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,283
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,935
−HK$660/mo
Today · 4.125%
HK$25,595
baseline
▲ 0.50% · 4.625%
HK$26,944
+HK$1,349/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,190/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,466
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,258
−HK$805/mo
Today · 4.125%
HK$27,063
baseline
▲ 0.50% · 4.625%
HK$28,710
+HK$1,647/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,126/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,331
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,090
−HK$771/mo
Today · 4.125%
HK$29,861
baseline
▲ 0.50% · 4.625%
HK$31,435
+HK$1,574/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,722/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,742
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,760
−HK$1,035/mo
Today · 4.125%
HK$34,795
baseline
▲ 0.50% · 4.625%
HK$36,912
+HK$2,117/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$69,590/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,425
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,402
−HK$991/mo
Today · 4.125%
HK$38,393
baseline
▲ 0.50% · 4.625%
HK$40,417
+HK$2,024/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$76,786/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,314 · 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).