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$18,132
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,696
−HK$573/mo
Today · 4.125%
HK$19,269
baseline
▲ 0.50% · 4.625%
HK$20,442
+HK$1,173/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,538/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,172
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,713
−HK$549/mo
Today · 4.125%
HK$21,262
baseline
▲ 0.50% · 4.625%
HK$22,382
+HK$1,120/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,524/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,758
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,435
−HK$688/mo
Today · 4.125%
HK$23,123
baseline
▲ 0.50% · 4.625%
HK$24,530
+HK$1,407/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,246/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,206
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,855
−HK$659/mo
Today · 4.125%
HK$25,514
baseline
▲ 0.50% · 4.625%
HK$26,859
+HK$1,345/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$51,028/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,385
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,175
−HK$802/mo
Today · 4.125%
HK$26,977
baseline
▲ 0.50% · 4.625%
HK$28,618
+HK$1,641/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$53,954/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,240
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$28,998
−HK$768/mo
Today · 4.125%
HK$29,766
baseline
▲ 0.50% · 4.625%
HK$31,335
+HK$1,569/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,532/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,638
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,653
−HK$1,031/mo
Today · 4.125%
HK$34,684
baseline
▲ 0.50% · 4.625%
HK$36,795
+HK$2,111/mo
Deposit HK$795K · loan HK$7.16M · min. income ≈ HK$69,368/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,309
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,283
−HK$988/mo
Today · 4.125%
HK$38,271
baseline
▲ 0.50% · 4.625%
HK$40,288
+HK$2,017/mo
Deposit HK$795K · loan HK$7.16M · min. income ≈ HK$76,542/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,554 · 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).