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$18,187
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,753
−HK$574/mo
Today · 4.125%
HK$19,327
baseline
▲ 0.50% · 4.625%
HK$20,503
+HK$1,176/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,654/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,233
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,775
−HK$551/mo
Today · 4.125%
HK$21,326
baseline
▲ 0.50% · 4.625%
HK$22,450
+HK$1,124/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,652/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,824
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,503
−HK$690/mo
Today · 4.125%
HK$23,193
baseline
▲ 0.50% · 4.625%
HK$24,604
+HK$1,411/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,386/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,279
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,931
−HK$660/mo
Today · 4.125%
HK$25,591
baseline
▲ 0.50% · 4.625%
HK$26,940
+HK$1,349/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,182/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,462
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,254
−HK$804/mo
Today · 4.125%
HK$27,058
baseline
▲ 0.50% · 4.625%
HK$28,705
+HK$1,647/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,116/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,326
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,086
−HK$770/mo
Today · 4.125%
HK$29,856
baseline
▲ 0.50% · 4.625%
HK$31,430
+HK$1,574/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,712/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,737
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,755
−HK$1,034/mo
Today · 4.125%
HK$34,789
baseline
▲ 0.50% · 4.625%
HK$36,906
+HK$2,117/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$69,578/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,419
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,396
−HK$991/mo
Today · 4.125%
HK$38,387
baseline
▲ 0.50% · 4.625%
HK$40,410
+HK$2,023/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$76,774/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,276 · 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).