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$18,209
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,775
−HK$575/mo
Today · 4.125%
HK$19,350
baseline
▲ 0.50% · 4.625%
HK$20,528
+HK$1,178/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,700/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,257
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,800
−HK$551/mo
Today · 4.125%
HK$21,351
baseline
▲ 0.50% · 4.625%
HK$22,477
+HK$1,126/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,702/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,850
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,530
−HK$690/mo
Today · 4.125%
HK$23,220
baseline
▲ 0.50% · 4.625%
HK$24,633
+HK$1,413/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,440/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,308
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,960
−HK$661/mo
Today · 4.125%
HK$25,621
baseline
▲ 0.50% · 4.625%
HK$26,972
+HK$1,351/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,242/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,492
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,285
−HK$806/mo
Today · 4.125%
HK$27,091
baseline
▲ 0.50% · 4.625%
HK$28,739
+HK$1,648/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,182/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,360
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,120
−HK$772/mo
Today · 4.125%
HK$29,892
baseline
▲ 0.50% · 4.625%
HK$31,467
+HK$1,575/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,784/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,775
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,795
−HK$1,036/mo
Today · 4.125%
HK$34,831
baseline
▲ 0.50% · 4.625%
HK$36,950
+HK$2,119/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,662/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,462
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,440
−HK$992/mo
Today · 4.125%
HK$38,432
baseline
▲ 0.50% · 4.625%
HK$40,458
+HK$2,026/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,864/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,559 · 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).