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$17,865
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,421
−HK$565/mo
Today · 4.125%
HK$18,986
baseline
▲ 0.50% · 4.625%
HK$20,141
+HK$1,155/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$37,972/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,875
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,408
−HK$541/mo
Today · 4.125%
HK$20,949
baseline
▲ 0.50% · 4.625%
HK$22,053
+HK$1,104/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,898/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$235,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,438
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,105
−HK$678/mo
Today · 4.125%
HK$22,783
baseline
▲ 0.50% · 4.625%
HK$24,169
+HK$1,386/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,566/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,850
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,490
−HK$649/mo
Today · 4.125%
HK$25,139
baseline
▲ 0.50% · 4.625%
HK$26,464
+HK$1,325/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,278/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,012
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,790
−HK$790/mo
Today · 4.125%
HK$26,580
baseline
▲ 0.50% · 4.625%
HK$28,197
+HK$1,617/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,160/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,825
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,571
−HK$757/mo
Today · 4.125%
HK$29,328
baseline
▲ 0.50% · 4.625%
HK$30,874
+HK$1,546/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,656/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,158
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,158
−HK$1,016/mo
Today · 4.125%
HK$34,174
baseline
▲ 0.50% · 4.625%
HK$36,254
+HK$2,080/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$68,348/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,775
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,735
−HK$973/mo
Today · 4.125%
HK$37,708
baseline
▲ 0.50% · 4.625%
HK$39,696
+HK$1,988/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$75,416/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,045 · 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).