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$18,084
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,647
−HK$571/mo
Today · 4.125%
HK$19,218
baseline
▲ 0.50% · 4.625%
HK$20,388
+HK$1,170/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,436/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,119
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,658
−HK$547/mo
Today · 4.125%
HK$21,205
baseline
▲ 0.50% · 4.625%
HK$22,323
+HK$1,118/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,410/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,701
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,376
−HK$686/mo
Today · 4.125%
HK$23,062
baseline
▲ 0.50% · 4.625%
HK$24,465
+HK$1,403/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,124/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,142
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,790
−HK$657/mo
Today · 4.125%
HK$25,447
baseline
▲ 0.50% · 4.625%
HK$26,788
+HK$1,341/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,894/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,318
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,105
−HK$801/mo
Today · 4.125%
HK$26,906
baseline
▲ 0.50% · 4.625%
HK$28,543
+HK$1,637/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,812/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,166
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,921
−HK$767/mo
Today · 4.125%
HK$29,688
baseline
▲ 0.50% · 4.625%
HK$31,253
+HK$1,565/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,376/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,552
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,564
−HK$1,029/mo
Today · 4.125%
HK$34,593
baseline
▲ 0.50% · 4.625%
HK$36,698
+HK$2,105/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$69,186/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,213
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,185
−HK$985/mo
Today · 4.125%
HK$38,170
baseline
▲ 0.50% · 4.625%
HK$40,182
+HK$2,012/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$76,340/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,924 · 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).