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$18,075
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,637
−HK$571/mo
Today · 4.125%
HK$19,208
baseline
▲ 0.50% · 4.625%
HK$20,377
+HK$1,169/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,416/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,108
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,648
−HK$547/mo
Today · 4.125%
HK$21,195
baseline
▲ 0.50% · 4.625%
HK$22,312
+HK$1,117/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,390/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,690
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,365
−HK$685/mo
Today · 4.125%
HK$23,050
baseline
▲ 0.50% · 4.625%
HK$24,453
+HK$1,403/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,100/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,130
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,777
−HK$657/mo
Today · 4.125%
HK$25,434
baseline
▲ 0.50% · 4.625%
HK$26,774
+HK$1,340/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,868/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,305
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,092
−HK$800/mo
Today · 4.125%
HK$26,892
baseline
▲ 0.50% · 4.625%
HK$28,528
+HK$1,636/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,784/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,152
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,907
−HK$766/mo
Today · 4.125%
HK$29,673
baseline
▲ 0.50% · 4.625%
HK$31,237
+HK$1,564/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,346/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,535
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,547
−HK$1,028/mo
Today · 4.125%
HK$34,575
baseline
▲ 0.50% · 4.625%
HK$36,679
+HK$2,104/mo
Deposit HK$793K · loan HK$7.13M · min. income ≈ HK$69,150/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,195
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,166
−HK$984/mo
Today · 4.125%
HK$38,150
baseline
▲ 0.50% · 4.625%
HK$40,161
+HK$2,011/mo
Deposit HK$793K · loan HK$7.13M · min. income ≈ HK$76,300/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,803 · 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).