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$17,873
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,429
−HK$565/mo
Today · 4.125%
HK$18,994
baseline
▲ 0.50% · 4.625%
HK$20,149
+HK$1,155/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$37,988/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,883
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,417
−HK$541/mo
Today · 4.125%
HK$20,958
baseline
▲ 0.50% · 4.625%
HK$22,062
+HK$1,104/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,916/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,447
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,115
−HK$677/mo
Today · 4.125%
HK$22,792
baseline
▲ 0.50% · 4.625%
HK$24,179
+HK$1,387/mo
Deposit HK$3.14M · loan HK$4.70M · min. income ≈ HK$45,584/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,860
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,500
−HK$649/mo
Today · 4.125%
HK$25,149
baseline
▲ 0.50% · 4.625%
HK$26,475
+HK$1,326/mo
Deposit HK$3.14M · loan HK$4.70M · min. income ≈ HK$50,298/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,022
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,800
−HK$791/mo
Today · 4.125%
HK$26,591
baseline
▲ 0.50% · 4.625%
HK$28,209
+HK$1,618/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,182/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,837
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,583
−HK$758/mo
Today · 4.125%
HK$29,341
baseline
▲ 0.50% · 4.625%
HK$30,887
+HK$1,546/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,682/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,171
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,172
−HK$1,017/mo
Today · 4.125%
HK$34,189
baseline
▲ 0.50% · 4.625%
HK$36,269
+HK$2,080/mo
Deposit HK$784K · loan HK$7.05M · min. income ≈ HK$68,378/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,790
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,750
−HK$974/mo
Today · 4.125%
HK$37,724
baseline
▲ 0.50% · 4.625%
HK$39,712
+HK$1,988/mo
Deposit HK$784K · loan HK$7.05M · min. income ≈ HK$75,448/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,144 · 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).