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$18,186
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,751
−HK$575/mo
Today · 4.125%
HK$19,326
baseline
▲ 0.50% · 4.625%
HK$20,502
+HK$1,176/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,652/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,231
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,774
−HK$550/mo
Today · 4.125%
HK$21,324
baseline
▲ 0.50% · 4.625%
HK$22,448
+HK$1,124/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,648/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,823
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,502
−HK$689/mo
Today · 4.125%
HK$23,191
baseline
▲ 0.50% · 4.625%
HK$24,602
+HK$1,411/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,382/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,278
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,929
−HK$660/mo
Today · 4.125%
HK$25,589
baseline
▲ 0.50% · 4.625%
HK$26,938
+HK$1,349/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,178/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,460
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,252
−HK$805/mo
Today · 4.125%
HK$27,057
baseline
▲ 0.50% · 4.625%
HK$28,703
+HK$1,646/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,114/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,324
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,084
−HK$770/mo
Today · 4.125%
HK$29,854
baseline
▲ 0.50% · 4.625%
HK$31,428
+HK$1,574/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,708/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,734
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,752
−HK$1,035/mo
Today · 4.125%
HK$34,787
baseline
▲ 0.50% · 4.625%
HK$36,904
+HK$2,117/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$69,574/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,417
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,393
−HK$991/mo
Today · 4.125%
HK$38,384
baseline
▲ 0.50% · 4.625%
HK$40,407
+HK$2,023/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$76,768/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,259 · 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).