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$18,044
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,605
−HK$570/mo
Today · 4.125%
HK$19,175
baseline
▲ 0.50% · 4.625%
HK$20,342
+HK$1,167/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,350/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,073
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,612
−HK$546/mo
Today · 4.125%
HK$21,158
baseline
▲ 0.50% · 4.625%
HK$22,273
+HK$1,115/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,316/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,652
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,326
−HK$684/mo
Today · 4.125%
HK$23,010
baseline
▲ 0.50% · 4.625%
HK$24,410
+HK$1,400/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,020/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,088
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,734
−HK$655/mo
Today · 4.125%
HK$25,389
baseline
▲ 0.50% · 4.625%
HK$26,728
+HK$1,339/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$237,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,261
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,047
−HK$798/mo
Today · 4.125%
HK$26,845
baseline
▲ 0.50% · 4.625%
HK$28,479
+HK$1,634/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,690/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,103
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,856
−HK$765/mo
Today · 4.125%
HK$29,621
baseline
▲ 0.50% · 4.625%
HK$31,182
+HK$1,561/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,242/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,479
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,489
−HK$1,026/mo
Today · 4.125%
HK$34,515
baseline
▲ 0.50% · 4.625%
HK$36,615
+HK$2,100/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$69,030/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,132
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,101
−HK$983/mo
Today · 4.125%
HK$38,084
baseline
▲ 0.50% · 4.625%
HK$40,092
+HK$2,008/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,168/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,390 · 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).