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$17,836
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,390
−HK$564/mo
Today · 4.125%
HK$18,954
baseline
▲ 0.50% · 4.625%
HK$20,107
+HK$1,153/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,908/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,842
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,374
−HK$540/mo
Today · 4.125%
HK$20,914
baseline
▲ 0.50% · 4.625%
HK$22,016
+HK$1,102/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,828/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,403
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,068
−HK$677/mo
Today · 4.125%
HK$22,745
baseline
▲ 0.50% · 4.625%
HK$24,129
+HK$1,384/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,490/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,810
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,449
−HK$648/mo
Today · 4.125%
HK$25,097
baseline
▲ 0.50% · 4.625%
HK$26,419
+HK$1,322/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,194/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,970
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,746
−HK$790/mo
Today · 4.125%
HK$26,536
baseline
▲ 0.50% · 4.625%
HK$28,150
+HK$1,614/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,072/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,779
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,524
−HK$755/mo
Today · 4.125%
HK$29,279
baseline
▲ 0.50% · 4.625%
HK$30,823
+HK$1,544/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,558/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,104
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,103
−HK$1,014/mo
Today · 4.125%
HK$34,117
baseline
▲ 0.50% · 4.625%
HK$36,193
+HK$2,076/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$68,234/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,715
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,673
−HK$972/mo
Today · 4.125%
HK$37,645
baseline
▲ 0.50% · 4.625%
HK$39,629
+HK$1,984/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$75,290/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,652 · 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).