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$17,667
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,216
−HK$559/mo
Today · 4.125%
HK$18,775
baseline
▲ 0.50% · 4.625%
HK$19,917
+HK$1,142/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,550/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,654
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,181
−HK$535/mo
Today · 4.125%
HK$20,716
baseline
▲ 0.50% · 4.625%
HK$21,808
+HK$1,092/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,432/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,200
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,860
−HK$670/mo
Today · 4.125%
HK$22,530
baseline
▲ 0.50% · 4.625%
HK$23,901
+HK$1,371/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,060/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,585
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,218
−HK$641/mo
Today · 4.125%
HK$24,859
baseline
▲ 0.50% · 4.625%
HK$26,170
+HK$1,311/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,718/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,734
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,503
−HK$782/mo
Today · 4.125%
HK$26,285
baseline
▲ 0.50% · 4.625%
HK$27,884
+HK$1,599/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,570/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,516
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,254
−HK$749/mo
Today · 4.125%
HK$29,003
baseline
▲ 0.50% · 4.625%
HK$30,531
+HK$1,528/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$58,006/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,800
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,790
−HK$1,005/mo
Today · 4.125%
HK$33,795
baseline
▲ 0.50% · 4.625%
HK$35,851
+HK$2,056/mo
Deposit HK$775K · loan HK$6.97M · min. income ≈ HK$67,590/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,378
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,327
−HK$962/mo
Today · 4.125%
HK$37,289
baseline
▲ 0.50% · 4.625%
HK$39,255
+HK$1,966/mo
Deposit HK$775K · loan HK$6.97M · min. income ≈ HK$74,578/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,434 · 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).