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$17,767
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,320
−HK$562/mo
Today · 4.125%
HK$18,882
baseline
▲ 0.50% · 4.625%
HK$20,031
+HK$1,149/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,764/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,766
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,296
−HK$538/mo
Today · 4.125%
HK$20,834
baseline
▲ 0.50% · 4.625%
HK$21,932
+HK$1,098/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,668/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,321
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,984
−HK$674/mo
Today · 4.125%
HK$22,658
baseline
▲ 0.50% · 4.625%
HK$24,037
+HK$1,379/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,316/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,719
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,355
−HK$646/mo
Today · 4.125%
HK$25,001
baseline
▲ 0.50% · 4.625%
HK$26,319
+HK$1,318/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,002/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,874
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,648
−HK$786/mo
Today · 4.125%
HK$26,434
baseline
▲ 0.50% · 4.625%
HK$28,043
+HK$1,609/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$52,868/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,673
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,415
−HK$753/mo
Today · 4.125%
HK$29,168
baseline
▲ 0.50% · 4.625%
HK$30,705
+HK$1,537/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$58,336/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,981
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,976
−HK$1,011/mo
Today · 4.125%
HK$33,987
baseline
▲ 0.50% · 4.625%
HK$36,055
+HK$2,068/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,974/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,579
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,533
−HK$968/mo
Today · 4.125%
HK$37,501
baseline
▲ 0.50% · 4.625%
HK$39,478
+HK$1,977/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$75,002/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,757 · 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).