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$18,177
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,743
−HK$574/mo
Today · 4.125%
HK$19,317
baseline
▲ 0.50% · 4.625%
HK$20,492
+HK$1,175/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,634/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,222
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,764
−HK$550/mo
Today · 4.125%
HK$21,314
baseline
▲ 0.50% · 4.625%
HK$22,438
+HK$1,124/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,628/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,813
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,491
−HK$689/mo
Today · 4.125%
HK$23,180
baseline
▲ 0.50% · 4.625%
HK$24,591
+HK$1,411/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,360/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,266
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,917
−HK$660/mo
Today · 4.125%
HK$25,577
baseline
▲ 0.50% · 4.625%
HK$26,925
+HK$1,348/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,154/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,448
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,240
−HK$804/mo
Today · 4.125%
HK$27,044
baseline
▲ 0.50% · 4.625%
HK$28,689
+HK$1,645/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,088/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,311
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,070
−HK$770/mo
Today · 4.125%
HK$29,840
baseline
▲ 0.50% · 4.625%
HK$31,413
+HK$1,573/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,680/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,719
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,737
−HK$1,034/mo
Today · 4.125%
HK$34,771
baseline
▲ 0.50% · 4.625%
HK$36,886
+HK$2,115/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$69,542/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,399
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,376
−HK$990/mo
Today · 4.125%
HK$38,366
baseline
▲ 0.50% · 4.625%
HK$40,388
+HK$2,022/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$76,732/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,146 · 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).