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$18,137
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,701
−HK$573/mo
Today · 4.125%
HK$19,274
baseline
▲ 0.50% · 4.625%
HK$20,447
+HK$1,173/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,548/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,177
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,718
−HK$549/mo
Today · 4.125%
HK$21,267
baseline
▲ 0.50% · 4.625%
HK$22,388
+HK$1,121/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,534/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,764
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,441
−HK$688/mo
Today · 4.125%
HK$23,129
baseline
▲ 0.50% · 4.625%
HK$24,536
+HK$1,407/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,258/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,213
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,862
−HK$659/mo
Today · 4.125%
HK$25,521
baseline
▲ 0.50% · 4.625%
HK$26,866
+HK$1,345/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$51,042/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,392
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,181
−HK$803/mo
Today · 4.125%
HK$26,984
baseline
▲ 0.50% · 4.625%
HK$28,626
+HK$1,642/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$53,968/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,248
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,006
−HK$768/mo
Today · 4.125%
HK$29,774
baseline
▲ 0.50% · 4.625%
HK$31,344
+HK$1,570/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,548/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,646
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,662
−HK$1,032/mo
Today · 4.125%
HK$34,694
baseline
▲ 0.50% · 4.625%
HK$36,805
+HK$2,111/mo
Deposit HK$795K · loan HK$7.16M · min. income ≈ HK$69,388/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,319
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,293
−HK$988/mo
Today · 4.125%
HK$38,281
baseline
▲ 0.50% · 4.625%
HK$40,299
+HK$2,018/mo
Deposit HK$795K · loan HK$7.16M · min. income ≈ HK$76,562/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,617 · 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).