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$17,852
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,408
−HK$564/mo
Today · 4.125%
HK$18,972
baseline
▲ 0.50% · 4.625%
HK$20,126
+HK$1,154/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,944/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,861
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,393
−HK$541/mo
Today · 4.125%
HK$20,934
baseline
▲ 0.50% · 4.625%
HK$22,037
+HK$1,103/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,868/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,423
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,089
−HK$677/mo
Today · 4.125%
HK$22,766
baseline
▲ 0.50% · 4.625%
HK$24,152
+HK$1,386/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,532/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,833
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,472
−HK$648/mo
Today · 4.125%
HK$25,120
baseline
▲ 0.50% · 4.625%
HK$26,445
+HK$1,325/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,240/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,993
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,771
−HK$790/mo
Today · 4.125%
HK$26,561
baseline
▲ 0.50% · 4.625%
HK$28,177
+HK$1,616/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,122/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,805
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,551
−HK$756/mo
Today · 4.125%
HK$29,307
baseline
▲ 0.50% · 4.625%
HK$30,852
+HK$1,545/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,614/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,134
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,134
−HK$1,016/mo
Today · 4.125%
HK$34,150
baseline
▲ 0.50% · 4.625%
HK$36,228
+HK$2,078/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$68,300/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,749
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,708
−HK$973/mo
Today · 4.125%
HK$37,681
baseline
▲ 0.50% · 4.625%
HK$39,667
+HK$1,986/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$75,362/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,875 · 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).