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$18,033
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,594
−HK$570/mo
Today · 4.125%
HK$19,164
baseline
▲ 0.50% · 4.625%
HK$20,330
+HK$1,166/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,328/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,062
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,600
−HK$546/mo
Today · 4.125%
HK$21,146
baseline
▲ 0.50% · 4.625%
HK$22,260
+HK$1,114/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,292/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,640
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,313
−HK$684/mo
Today · 4.125%
HK$22,997
baseline
▲ 0.50% · 4.625%
HK$24,396
+HK$1,399/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$45,994/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,074
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,720
−HK$655/mo
Today · 4.125%
HK$25,375
baseline
▲ 0.50% · 4.625%
HK$26,712
+HK$1,337/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$50,750/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,247
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,032
−HK$798/mo
Today · 4.125%
HK$26,830
baseline
▲ 0.50% · 4.625%
HK$28,462
+HK$1,632/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,660/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,087
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,840
−HK$764/mo
Today · 4.125%
HK$29,604
baseline
▲ 0.50% · 4.625%
HK$31,164
+HK$1,560/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,208/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,460
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,470
−HK$1,025/mo
Today · 4.125%
HK$34,495
baseline
▲ 0.50% · 4.625%
HK$36,594
+HK$2,099/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$68,990/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,111
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,080
−HK$982/mo
Today · 4.125%
HK$38,062
baseline
▲ 0.50% · 4.625%
HK$40,069
+HK$2,007/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,124/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,253 · 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).