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$17,819
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,373
−HK$563/mo
Today · 4.125%
HK$18,936
baseline
▲ 0.50% · 4.625%
HK$20,088
+HK$1,152/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,872/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,823
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,355
−HK$539/mo
Today · 4.125%
HK$20,894
baseline
▲ 0.50% · 4.625%
HK$21,995
+HK$1,101/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,788/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,382
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,047
−HK$676/mo
Today · 4.125%
HK$22,723
baseline
▲ 0.50% · 4.625%
HK$24,106
+HK$1,383/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,446/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,788
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,426
−HK$647/mo
Today · 4.125%
HK$25,073
baseline
▲ 0.50% · 4.625%
HK$26,394
+HK$1,321/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,146/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,946
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,722
−HK$788/mo
Today · 4.125%
HK$26,510
baseline
▲ 0.50% · 4.625%
HK$28,123
+HK$1,613/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$53,020/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,752
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,497
−HK$755/mo
Today · 4.125%
HK$29,252
baseline
▲ 0.50% · 4.625%
HK$30,793
+HK$1,541/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$58,504/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,073
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,071
−HK$1,014/mo
Today · 4.125%
HK$34,085
baseline
▲ 0.50% · 4.625%
HK$36,159
+HK$2,074/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$68,170/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,681
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,638
−HK$971/mo
Today · 4.125%
HK$37,609
baseline
▲ 0.50% · 4.625%
HK$39,592
+HK$1,983/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$75,218/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,429 · 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).