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$17,930
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,488
−HK$566/mo
Today · 4.125%
HK$19,054
baseline
▲ 0.50% · 4.625%
HK$20,214
+HK$1,160/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,108/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,947
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,482
−HK$542/mo
Today · 4.125%
HK$21,024
baseline
▲ 0.50% · 4.625%
HK$22,133
+HK$1,109/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,048/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,516
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,185
−HK$680/mo
Today · 4.125%
HK$22,865
baseline
▲ 0.50% · 4.625%
HK$24,256
+HK$1,391/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,730/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,936
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,578
−HK$651/mo
Today · 4.125%
HK$25,229
baseline
▲ 0.50% · 4.625%
HK$26,559
+HK$1,330/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,458/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,102
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,883
−HK$793/mo
Today · 4.125%
HK$26,676
baseline
▲ 0.50% · 4.625%
HK$28,299
+HK$1,623/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,352/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,925
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,674
−HK$760/mo
Today · 4.125%
HK$29,434
baseline
▲ 0.50% · 4.625%
HK$30,986
+HK$1,552/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,868/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,274
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,278
−HK$1,020/mo
Today · 4.125%
HK$34,298
baseline
▲ 0.50% · 4.625%
HK$36,384
+HK$2,086/mo
Deposit HK$786K · loan HK$7.08M · min. income ≈ HK$68,596/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,904
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,867
−HK$977/mo
Today · 4.125%
HK$37,844
baseline
▲ 0.50% · 4.625%
HK$39,839
+HK$1,995/mo
Deposit HK$786K · loan HK$7.08M · min. income ≈ HK$75,688/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,893 · 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).