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$17,586
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,133
−HK$556/mo
Today · 4.125%
HK$18,689
baseline
▲ 0.50% · 4.625%
HK$19,826
+HK$1,137/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,378/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,564
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,089
−HK$532/mo
Today · 4.125%
HK$20,621
baseline
▲ 0.50% · 4.625%
HK$21,708
+HK$1,087/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,242/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,103
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,760
−HK$666/mo
Today · 4.125%
HK$22,426
baseline
▲ 0.50% · 4.625%
HK$23,791
+HK$1,365/mo
Deposit HK$3.08M · loan HK$4.63M · min. income ≈ HK$44,852/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,477
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,107
−HK$638/mo
Today · 4.125%
HK$24,745
baseline
▲ 0.50% · 4.625%
HK$26,050
+HK$1,305/mo
Deposit HK$3.08M · loan HK$4.63M · min. income ≈ HK$49,490/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,620
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,386
−HK$778/mo
Today · 4.125%
HK$26,164
baseline
▲ 0.50% · 4.625%
HK$27,756
+HK$1,592/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$52,328/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,390
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,124
−HK$746/mo
Today · 4.125%
HK$28,870
baseline
▲ 0.50% · 4.625%
HK$30,391
+HK$1,521/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$57,740/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,655
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,639
−HK$1,001/mo
Today · 4.125%
HK$33,640
baseline
▲ 0.50% · 4.625%
HK$35,687
+HK$2,047/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$67,280/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,216
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,160
−HK$958/mo
Today · 4.125%
HK$37,118
baseline
▲ 0.50% · 4.625%
HK$39,075
+HK$1,957/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$74,236/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,369 · 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).