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$18,043
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,604
−HK$570/mo
Today · 4.125%
HK$19,174
baseline
▲ 0.50% · 4.625%
HK$20,341
+HK$1,167/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,348/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,073
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,611
−HK$546/mo
Today · 4.125%
HK$21,157
baseline
▲ 0.50% · 4.625%
HK$22,272
+HK$1,115/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,314/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,652
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,325
−HK$684/mo
Today · 4.125%
HK$23,009
baseline
▲ 0.50% · 4.625%
HK$24,409
+HK$1,400/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,018/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,087
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,733
−HK$656/mo
Today · 4.125%
HK$25,389
baseline
▲ 0.50% · 4.625%
HK$26,727
+HK$1,338/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,778/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,260
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,046
−HK$798/mo
Today · 4.125%
HK$26,844
baseline
▲ 0.50% · 4.625%
HK$28,478
+HK$1,634/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,688/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,102
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,855
−HK$765/mo
Today · 4.125%
HK$29,620
baseline
▲ 0.50% · 4.625%
HK$31,181
+HK$1,561/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,240/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,477
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,488
−HK$1,026/mo
Today · 4.125%
HK$34,514
baseline
▲ 0.50% · 4.625%
HK$36,614
+HK$2,100/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$69,028/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,131
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,100
−HK$983/mo
Today · 4.125%
HK$38,083
baseline
▲ 0.50% · 4.625%
HK$40,090
+HK$2,007/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,166/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,382 · 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).