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$17,938
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,496
−HK$567/mo
Today · 4.125%
HK$19,063
baseline
▲ 0.50% · 4.625%
HK$20,223
+HK$1,160/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,126/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,956
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,491
−HK$543/mo
Today · 4.125%
HK$21,034
baseline
▲ 0.50% · 4.625%
HK$22,143
+HK$1,109/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,068/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,526
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,195
−HK$680/mo
Today · 4.125%
HK$22,875
baseline
▲ 0.50% · 4.625%
HK$24,267
+HK$1,392/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,750/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,947
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,589
−HK$652/mo
Today · 4.125%
HK$25,241
baseline
▲ 0.50% · 4.625%
HK$26,571
+HK$1,330/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,482/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,113
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,894
−HK$794/mo
Today · 4.125%
HK$26,688
baseline
▲ 0.50% · 4.625%
HK$28,312
+HK$1,624/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,376/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,938
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,687
−HK$761/mo
Today · 4.125%
HK$29,448
baseline
▲ 0.50% · 4.625%
HK$31,000
+HK$1,552/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,896/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,288
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,293
−HK$1,020/mo
Today · 4.125%
HK$34,313
baseline
▲ 0.50% · 4.625%
HK$36,401
+HK$2,088/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$68,626/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,921
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$36,884
−HK$977/mo
Today · 4.125%
HK$37,861
baseline
▲ 0.50% · 4.625%
HK$39,857
+HK$1,996/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$75,722/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,000 · 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).