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$17,811
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,365
−HK$563/mo
Today · 4.125%
HK$18,928
baseline
▲ 0.50% · 4.625%
HK$20,080
+HK$1,152/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,856/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,815
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,346
−HK$539/mo
Today · 4.125%
HK$20,885
baseline
▲ 0.50% · 4.625%
HK$21,986
+HK$1,101/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,770/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,373
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,038
−HK$676/mo
Today · 4.125%
HK$22,714
baseline
▲ 0.50% · 4.625%
HK$24,096
+HK$1,382/mo
Deposit HK$3.12M · loan HK$4.69M · min. income ≈ HK$45,428/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,778
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,415
−HK$647/mo
Today · 4.125%
HK$25,062
baseline
▲ 0.50% · 4.625%
HK$26,383
+HK$1,321/mo
Deposit HK$3.12M · loan HK$4.69M · min. income ≈ HK$50,124/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,936
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,711
−HK$788/mo
Today · 4.125%
HK$26,499
baseline
▲ 0.50% · 4.625%
HK$28,112
+HK$1,613/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$52,998/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,741
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,485
−HK$754/mo
Today · 4.125%
HK$29,239
baseline
▲ 0.50% · 4.625%
HK$30,781
+HK$1,542/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$58,478/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,060
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,057
−HK$1,014/mo
Today · 4.125%
HK$34,071
baseline
▲ 0.50% · 4.625%
HK$36,144
+HK$2,073/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$68,142/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,667
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,623
−HK$970/mo
Today · 4.125%
HK$37,593
baseline
▲ 0.50% · 4.625%
HK$39,575
+HK$1,982/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$75,186/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,331 · 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).