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$17,970
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,529
−HK$568/mo
Today · 4.125%
HK$19,097
baseline
▲ 0.50% · 4.625%
HK$20,259
+HK$1,162/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,194/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,992
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,528
−HK$544/mo
Today · 4.125%
HK$21,072
baseline
▲ 0.50% · 4.625%
HK$22,183
+HK$1,111/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,144/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,564
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,235
−HK$682/mo
Today · 4.125%
HK$22,917
baseline
▲ 0.50% · 4.625%
HK$24,311
+HK$1,394/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,834/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,990
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,634
−HK$652/mo
Today · 4.125%
HK$25,286
baseline
▲ 0.50% · 4.625%
HK$26,619
+HK$1,333/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,572/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,159
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,941
−HK$795/mo
Today · 4.125%
HK$26,736
baseline
▲ 0.50% · 4.625%
HK$28,363
+HK$1,627/mo
Deposit HK$2.36M · loan HK$5.52M · min. income ≈ HK$53,472/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,989
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,739
−HK$762/mo
Today · 4.125%
HK$29,501
baseline
▲ 0.50% · 4.625%
HK$31,056
+HK$1,555/mo
Deposit HK$2.36M · loan HK$5.52M · min. income ≈ HK$59,002/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,347
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,353
−HK$1,022/mo
Today · 4.125%
HK$34,375
baseline
▲ 0.50% · 4.625%
HK$36,467
+HK$2,092/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$68,750/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,985
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,950
−HK$979/mo
Today · 4.125%
HK$37,929
baseline
▲ 0.50% · 4.625%
HK$39,929
+HK$2,000/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$75,858/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,426 · 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).