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$18,208
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,774
−HK$576/mo
Today · 4.125%
HK$19,350
baseline
▲ 0.50% · 4.625%
HK$20,527
+HK$1,177/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,700/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,256
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,800
−HK$551/mo
Today · 4.125%
HK$21,351
baseline
▲ 0.50% · 4.625%
HK$22,476
+HK$1,125/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,702/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,850
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,529
−HK$691/mo
Today · 4.125%
HK$23,220
baseline
▲ 0.50% · 4.625%
HK$24,633
+HK$1,413/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,440/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,308
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,959
−HK$662/mo
Today · 4.125%
HK$25,621
baseline
▲ 0.50% · 4.625%
HK$26,971
+HK$1,350/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,242/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,491
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,284
−HK$806/mo
Today · 4.125%
HK$27,090
baseline
▲ 0.50% · 4.625%
HK$28,738
+HK$1,648/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,180/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,359
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,119
−HK$772/mo
Today · 4.125%
HK$29,891
baseline
▲ 0.50% · 4.625%
HK$31,467
+HK$1,576/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,782/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$239,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,775
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,794
−HK$1,036/mo
Today · 4.125%
HK$34,830
baseline
▲ 0.50% · 4.625%
HK$36,949
+HK$2,119/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$69,660/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,461
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,439
−HK$992/mo
Today · 4.125%
HK$38,431
baseline
▲ 0.50% · 4.625%
HK$40,457
+HK$2,026/mo
Deposit HK$799K · loan HK$7.19M · min. income ≈ HK$76,862/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,553 · 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).