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$18,136
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,700
−HK$573/mo
Today · 4.125%
HK$19,273
baseline
▲ 0.50% · 4.625%
HK$20,446
+HK$1,173/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,546/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,176
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,717
−HK$549/mo
Today · 4.125%
HK$21,266
baseline
▲ 0.50% · 4.625%
HK$22,387
+HK$1,121/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,532/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,763
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,440
−HK$688/mo
Today · 4.125%
HK$23,128
baseline
▲ 0.50% · 4.625%
HK$24,535
+HK$1,407/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,256/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,212
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,861
−HK$659/mo
Today · 4.125%
HK$25,520
baseline
▲ 0.50% · 4.625%
HK$26,865
+HK$1,345/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$51,040/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,391
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,180
−HK$803/mo
Today · 4.125%
HK$26,983
baseline
▲ 0.50% · 4.625%
HK$28,625
+HK$1,642/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$53,966/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,247
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,004
−HK$769/mo
Today · 4.125%
HK$29,773
baseline
▲ 0.50% · 4.625%
HK$31,342
+HK$1,569/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,546/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,645
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,661
−HK$1,031/mo
Today · 4.125%
HK$34,692
baseline
▲ 0.50% · 4.625%
HK$36,803
+HK$2,111/mo
Deposit HK$795K · loan HK$7.16M · min. income ≈ HK$69,384/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,317
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,291
−HK$988/mo
Today · 4.125%
HK$38,279
baseline
▲ 0.50% · 4.625%
HK$40,297
+HK$2,018/mo
Deposit HK$795K · loan HK$7.16M · min. income ≈ HK$76,558/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,607 · 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).