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$17,711
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,262
−HK$560/mo
Today · 4.125%
HK$18,822
baseline
▲ 0.50% · 4.625%
HK$19,967
+HK$1,145/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,644/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,703
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,232
−HK$536/mo
Today · 4.125%
HK$20,768
baseline
▲ 0.50% · 4.625%
HK$21,863
+HK$1,095/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,536/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,253
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,914
−HK$672/mo
Today · 4.125%
HK$22,586
baseline
▲ 0.50% · 4.625%
HK$23,960
+HK$1,374/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,172/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,644
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,278
−HK$643/mo
Today · 4.125%
HK$24,921
baseline
▲ 0.50% · 4.625%
HK$26,235
+HK$1,314/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,842/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,795
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,567
−HK$783/mo
Today · 4.125%
HK$26,350
baseline
▲ 0.50% · 4.625%
HK$27,954
+HK$1,604/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,700/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,585
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,324
−HK$751/mo
Today · 4.125%
HK$29,075
baseline
▲ 0.50% · 4.625%
HK$30,608
+HK$1,533/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,150/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,880
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,871
−HK$1,008/mo
Today · 4.125%
HK$33,879
baseline
▲ 0.50% · 4.625%
HK$35,940
+HK$2,061/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$67,758/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,466
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,417
−HK$965/mo
Today · 4.125%
HK$37,382
baseline
▲ 0.50% · 4.625%
HK$39,353
+HK$1,971/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$74,764/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,014 · 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).