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$17,940
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,498
−HK$567/mo
Today · 4.125%
HK$19,065
baseline
▲ 0.50% · 4.625%
HK$20,225
+HK$1,160/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,130/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,958
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,494
−HK$543/mo
Today · 4.125%
HK$21,037
baseline
▲ 0.50% · 4.625%
HK$22,146
+HK$1,109/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,074/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,528
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,198
−HK$680/mo
Today · 4.125%
HK$22,878
baseline
▲ 0.50% · 4.625%
HK$24,270
+HK$1,392/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,756/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,950
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,592
−HK$652/mo
Today · 4.125%
HK$25,244
baseline
▲ 0.50% · 4.625%
HK$26,575
+HK$1,331/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,488/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,116
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,898
−HK$793/mo
Today · 4.125%
HK$26,691
baseline
▲ 0.50% · 4.625%
HK$28,316
+HK$1,625/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,382/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,942
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,691
−HK$760/mo
Today · 4.125%
HK$29,451
baseline
▲ 0.50% · 4.625%
HK$31,004
+HK$1,553/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,902/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,293
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,297
−HK$1,021/mo
Today · 4.125%
HK$34,318
baseline
▲ 0.50% · 4.625%
HK$36,406
+HK$2,088/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$68,636/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,925
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,889
−HK$977/mo
Today · 4.125%
HK$37,866
baseline
▲ 0.50% · 4.625%
HK$39,862
+HK$1,996/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$75,732/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,031 · 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).