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$18,081
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,644
−HK$571/mo
Today · 4.125%
HK$19,215
baseline
▲ 0.50% · 4.625%
HK$20,384
+HK$1,169/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,430/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,115
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,655
−HK$547/mo
Today · 4.125%
HK$21,202
baseline
▲ 0.50% · 4.625%
HK$22,320
+HK$1,118/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,404/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,698
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,373
−HK$685/mo
Today · 4.125%
HK$23,058
baseline
▲ 0.50% · 4.625%
HK$24,461
+HK$1,403/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,116/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,138
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,786
−HK$657/mo
Today · 4.125%
HK$25,443
baseline
▲ 0.50% · 4.625%
HK$26,784
+HK$1,341/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,886/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,314
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,101
−HK$800/mo
Today · 4.125%
HK$26,901
baseline
▲ 0.50% · 4.625%
HK$28,538
+HK$1,637/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,802/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,162
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,917
−HK$766/mo
Today · 4.125%
HK$29,683
baseline
▲ 0.50% · 4.625%
HK$31,248
+HK$1,565/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,366/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,546
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,559
−HK$1,028/mo
Today · 4.125%
HK$34,587
baseline
▲ 0.50% · 4.625%
HK$36,692
+HK$2,105/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$69,174/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,208
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,179
−HK$985/mo
Today · 4.125%
HK$38,164
baseline
▲ 0.50% · 4.625%
HK$40,176
+HK$2,012/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$76,328/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,887 · 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).