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$17,576
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,123
−HK$555/mo
Today · 4.125%
HK$18,678
baseline
▲ 0.50% · 4.625%
HK$19,815
+HK$1,137/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,356/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,553
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,078
−HK$532/mo
Today · 4.125%
HK$20,610
baseline
▲ 0.50% · 4.625%
HK$21,696
+HK$1,086/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,220/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,091
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,747
−HK$667/mo
Today · 4.125%
HK$22,414
baseline
▲ 0.50% · 4.625%
HK$23,778
+HK$1,364/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,828/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,464
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,093
−HK$639/mo
Today · 4.125%
HK$24,732
baseline
▲ 0.50% · 4.625%
HK$26,035
+HK$1,303/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,464/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,607
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,372
−HK$778/mo
Today · 4.125%
HK$26,150
baseline
▲ 0.50% · 4.625%
HK$27,741
+HK$1,591/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$52,300/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,375
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,109
−HK$744/mo
Today · 4.125%
HK$28,853
baseline
▲ 0.50% · 4.625%
HK$30,374
+HK$1,521/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$57,706/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,637
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,621
−HK$1,000/mo
Today · 4.125%
HK$33,621
baseline
▲ 0.50% · 4.625%
HK$35,667
+HK$2,046/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$67,242/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,196
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,140
−HK$957/mo
Today · 4.125%
HK$37,097
baseline
▲ 0.50% · 4.625%
HK$39,053
+HK$1,956/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$74,194/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,239 · 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).