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$17,725
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,276
−HK$560/mo
Today · 4.125%
HK$18,836
baseline
▲ 0.50% · 4.625%
HK$19,983
+HK$1,147/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,672/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,719
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,248
−HK$536/mo
Today · 4.125%
HK$20,784
baseline
▲ 0.50% · 4.625%
HK$21,880
+HK$1,096/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,568/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,270
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,931
−HK$673/mo
Today · 4.125%
HK$22,604
baseline
▲ 0.50% · 4.625%
HK$23,979
+HK$1,375/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,208/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,662
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,297
−HK$644/mo
Today · 4.125%
HK$24,941
baseline
▲ 0.50% · 4.625%
HK$26,256
+HK$1,315/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,882/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,815
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,587
−HK$784/mo
Today · 4.125%
HK$26,371
baseline
▲ 0.50% · 4.625%
HK$27,976
+HK$1,605/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,742/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,606
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,347
−HK$751/mo
Today · 4.125%
HK$29,098
baseline
▲ 0.50% · 4.625%
HK$30,631
+HK$1,533/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,196/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,905
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,897
−HK$1,008/mo
Today · 4.125%
HK$33,905
baseline
▲ 0.50% · 4.625%
HK$35,969
+HK$2,064/mo
Deposit HK$777K · loan HK$7.00M · min. income ≈ HK$67,810/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,494
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,446
−HK$965/mo
Today · 4.125%
HK$37,411
baseline
▲ 0.50% · 4.625%
HK$39,383
+HK$1,972/mo
Deposit HK$777K · loan HK$7.00M · min. income ≈ HK$74,822/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,196 · 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).