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$17,609
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,156
−HK$557/mo
Today · 4.125%
HK$18,713
baseline
▲ 0.50% · 4.625%
HK$19,851
+HK$1,138/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,426/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,589
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,115
−HK$533/mo
Today · 4.125%
HK$20,648
baseline
▲ 0.50% · 4.625%
HK$21,736
+HK$1,088/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,296/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,130
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,788
−HK$667/mo
Today · 4.125%
HK$22,455
baseline
▲ 0.50% · 4.625%
HK$23,822
+HK$1,367/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$44,910/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,507
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,138
−HK$639/mo
Today · 4.125%
HK$24,777
baseline
▲ 0.50% · 4.625%
HK$26,083
+HK$1,306/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$49,554/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,652
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,419
−HK$779/mo
Today · 4.125%
HK$26,198
baseline
▲ 0.50% · 4.625%
HK$27,792
+HK$1,594/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,396/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,425
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,161
−HK$746/mo
Today · 4.125%
HK$28,907
baseline
▲ 0.50% · 4.625%
HK$30,431
+HK$1,524/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,814/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,696
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,681
−HK$1,002/mo
Today · 4.125%
HK$33,683
baseline
▲ 0.50% · 4.625%
HK$35,733
+HK$2,050/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$67,366/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,261
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,207
−HK$959/mo
Today · 4.125%
HK$37,166
baseline
▲ 0.50% · 4.625%
HK$39,125
+HK$1,959/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$74,332/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,667 · 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).