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$17,749
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,301
−HK$561/mo
Today · 4.125%
HK$18,862
baseline
▲ 0.50% · 4.625%
HK$20,010
+HK$1,148/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,724/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,746
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,276
−HK$537/mo
Today · 4.125%
HK$20,813
baseline
▲ 0.50% · 4.625%
HK$21,910
+HK$1,097/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,626/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,299
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,962
−HK$673/mo
Today · 4.125%
HK$22,635
baseline
▲ 0.50% · 4.625%
HK$24,012
+HK$1,377/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,270/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,695
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,331
−HK$644/mo
Today · 4.125%
HK$24,975
baseline
▲ 0.50% · 4.625%
HK$26,292
+HK$1,317/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,950/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,849
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,622
−HK$785/mo
Today · 4.125%
HK$26,407
baseline
▲ 0.50% · 4.625%
HK$28,014
+HK$1,607/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$52,814/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,644
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,386
−HK$752/mo
Today · 4.125%
HK$29,138
baseline
▲ 0.50% · 4.625%
HK$30,674
+HK$1,536/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$58,276/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,949
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,943
−HK$1,009/mo
Today · 4.125%
HK$33,952
baseline
▲ 0.50% · 4.625%
HK$36,018
+HK$2,066/mo
Deposit HK$778K · loan HK$7.01M · min. income ≈ HK$67,904/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,543
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,496
−HK$967/mo
Today · 4.125%
HK$37,463
baseline
▲ 0.50% · 4.625%
HK$39,438
+HK$1,975/mo
Deposit HK$778K · loan HK$7.01M · min. income ≈ HK$74,926/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,518 · 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).