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$17,696
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,246
−HK$559/mo
Today · 4.125%
HK$18,805
baseline
▲ 0.50% · 4.625%
HK$19,950
+HK$1,145/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,610/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,686
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,214
−HK$536/mo
Today · 4.125%
HK$20,750
baseline
▲ 0.50% · 4.625%
HK$21,844
+HK$1,094/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,500/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,235
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,895
−HK$672/mo
Today · 4.125%
HK$22,567
baseline
▲ 0.50% · 4.625%
HK$23,940
+HK$1,373/mo
Deposit HK$3.10M · loan HK$4.66M · min. income ≈ HK$45,134/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,624
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,257
−HK$643/mo
Today · 4.125%
HK$24,900
baseline
▲ 0.50% · 4.625%
HK$26,213
+HK$1,313/mo
Deposit HK$3.10M · loan HK$4.66M · min. income ≈ HK$49,800/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,774
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,545
−HK$783/mo
Today · 4.125%
HK$26,328
baseline
▲ 0.50% · 4.625%
HK$27,930
+HK$1,602/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,656/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,561
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,300
−HK$750/mo
Today · 4.125%
HK$29,050
baseline
▲ 0.50% · 4.625%
HK$30,581
+HK$1,531/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,100/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,852
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,843
−HK$1,007/mo
Today · 4.125%
HK$33,850
baseline
▲ 0.50% · 4.625%
HK$35,910
+HK$2,060/mo
Deposit HK$776K · loan HK$6.98M · min. income ≈ HK$67,700/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,436
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,386
−HK$964/mo
Today · 4.125%
HK$37,350
baseline
▲ 0.50% · 4.625%
HK$39,319
+HK$1,969/mo
Deposit HK$776K · loan HK$6.98M · min. income ≈ HK$74,700/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,814 · 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).