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$17,625
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,173
−HK$557/mo
Today · 4.125%
HK$18,730
baseline
▲ 0.50% · 4.625%
HK$19,869
+HK$1,139/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,460/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,607
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,133
−HK$534/mo
Today · 4.125%
HK$20,667
baseline
▲ 0.50% · 4.625%
HK$21,756
+HK$1,089/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,334/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,150
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,807
−HK$669/mo
Today · 4.125%
HK$22,476
baseline
▲ 0.50% · 4.625%
HK$23,843
+HK$1,367/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,952/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,529
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,160
−HK$640/mo
Today · 4.125%
HK$24,800
baseline
▲ 0.50% · 4.625%
HK$26,107
+HK$1,307/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,600/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,674
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,442
−HK$780/mo
Today · 4.125%
HK$26,222
baseline
▲ 0.50% · 4.625%
HK$27,817
+HK$1,595/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,444/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,450
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,186
−HK$747/mo
Today · 4.125%
HK$28,933
baseline
▲ 0.50% · 4.625%
HK$30,458
+HK$1,525/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,866/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,724
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,711
−HK$1,003/mo
Today · 4.125%
HK$33,714
baseline
▲ 0.50% · 4.625%
HK$35,765
+HK$2,051/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$67,428/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,293
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,239
−HK$961/mo
Today · 4.125%
HK$37,200
baseline
▲ 0.50% · 4.625%
HK$39,161
+HK$1,961/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$74,400/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,877 · 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).