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$17,829
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,383
−HK$564/mo
Today · 4.125%
HK$18,947
baseline
▲ 0.50% · 4.625%
HK$20,100
+HK$1,153/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,894/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,834
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,366
−HK$540/mo
Today · 4.125%
HK$20,906
baseline
▲ 0.50% · 4.625%
HK$22,008
+HK$1,102/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,812/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,394
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,060
−HK$676/mo
Today · 4.125%
HK$22,736
baseline
▲ 0.50% · 4.625%
HK$24,120
+HK$1,384/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,472/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,801
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,439
−HK$648/mo
Today · 4.125%
HK$25,087
baseline
▲ 0.50% · 4.625%
HK$26,409
+HK$1,322/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,174/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,960
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,737
−HK$788/mo
Today · 4.125%
HK$26,525
baseline
▲ 0.50% · 4.625%
HK$28,139
+HK$1,614/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$53,050/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,768
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,513
−HK$755/mo
Today · 4.125%
HK$29,268
baseline
▲ 0.50% · 4.625%
HK$30,811
+HK$1,543/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$58,536/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,092
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,090
−HK$1,014/mo
Today · 4.125%
HK$34,104
baseline
▲ 0.50% · 4.625%
HK$36,179
+HK$2,075/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$68,208/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,702
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,659
−HK$972/mo
Today · 4.125%
HK$37,631
baseline
▲ 0.50% · 4.625%
HK$39,614
+HK$1,983/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$75,262/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,562 · 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).