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$18,158
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,722
−HK$574/mo
Today · 4.125%
HK$19,296
baseline
▲ 0.50% · 4.625%
HK$20,470
+HK$1,174/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,592/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,200
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,742
−HK$549/mo
Today · 4.125%
HK$21,291
baseline
▲ 0.50% · 4.625%
HK$22,414
+HK$1,123/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,582/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,789
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,467
−HK$688/mo
Today · 4.125%
HK$23,155
baseline
▲ 0.50% · 4.625%
HK$24,564
+HK$1,409/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,310/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,240
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,890
−HK$660/mo
Today · 4.125%
HK$25,550
baseline
▲ 0.50% · 4.625%
HK$26,896
+HK$1,346/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,100/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,421
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,211
−HK$804/mo
Today · 4.125%
HK$27,015
baseline
▲ 0.50% · 4.625%
HK$28,658
+HK$1,643/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$54,030/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,280
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,039
−HK$769/mo
Today · 4.125%
HK$29,808
baseline
▲ 0.50% · 4.625%
HK$31,379
+HK$1,571/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,616/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,684
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,700
−HK$1,033/mo
Today · 4.125%
HK$34,733
baseline
▲ 0.50% · 4.625%
HK$36,847
+HK$2,114/mo
Deposit HK$796K · loan HK$7.17M · min. income ≈ HK$69,466/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,360
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,335
−HK$990/mo
Today · 4.125%
HK$38,325
baseline
▲ 0.50% · 4.625%
HK$40,345
+HK$2,020/mo
Deposit HK$796K · loan HK$7.17M · min. income ≈ HK$76,650/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,888 · 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).