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$17,794
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,347
−HK$563/mo
Today · 4.125%
HK$18,910
baseline
▲ 0.50% · 4.625%
HK$20,060
+HK$1,150/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,820/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,796
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,327
−HK$538/mo
Today · 4.125%
HK$20,865
baseline
▲ 0.50% · 4.625%
HK$21,965
+HK$1,100/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,730/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,353
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,017
−HK$675/mo
Today · 4.125%
HK$22,692
baseline
▲ 0.50% · 4.625%
HK$24,073
+HK$1,381/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,384/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,755
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,392
−HK$646/mo
Today · 4.125%
HK$25,038
baseline
▲ 0.50% · 4.625%
HK$26,358
+HK$1,320/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,076/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,912
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,686
−HK$788/mo
Today · 4.125%
HK$26,474
baseline
▲ 0.50% · 4.625%
HK$28,085
+HK$1,611/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,948/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,714
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,457
−HK$754/mo
Today · 4.125%
HK$29,211
baseline
▲ 0.50% · 4.625%
HK$30,751
+HK$1,540/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,422/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,029
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,025
−HK$1,013/mo
Today · 4.125%
HK$34,038
baseline
▲ 0.50% · 4.625%
HK$36,109
+HK$2,071/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,076/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,632
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,588
−HK$969/mo
Today · 4.125%
HK$37,557
baseline
▲ 0.50% · 4.625%
HK$39,537
+HK$1,980/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,114/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,106 · 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).