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$18,038
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,599
−HK$570/mo
Today · 4.125%
HK$19,169
baseline
▲ 0.50% · 4.625%
HK$20,336
+HK$1,167/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,338/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,067
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,605
−HK$546/mo
Today · 4.125%
HK$21,151
baseline
▲ 0.50% · 4.625%
HK$22,266
+HK$1,115/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,302/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,646
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,319
−HK$684/mo
Today · 4.125%
HK$23,003
baseline
▲ 0.50% · 4.625%
HK$24,403
+HK$1,400/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$46,006/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,081
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,727
−HK$655/mo
Today · 4.125%
HK$25,382
baseline
▲ 0.50% · 4.625%
HK$26,720
+HK$1,338/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$50,764/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,253
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,039
−HK$798/mo
Today · 4.125%
HK$26,837
baseline
▲ 0.50% · 4.625%
HK$28,470
+HK$1,633/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,674/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,094
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,848
−HK$764/mo
Today · 4.125%
HK$29,612
baseline
▲ 0.50% · 4.625%
HK$31,173
+HK$1,561/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,224/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,469
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,479
−HK$1,026/mo
Today · 4.125%
HK$34,505
baseline
▲ 0.50% · 4.625%
HK$36,604
+HK$2,099/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$69,010/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,121
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,090
−HK$983/mo
Today · 4.125%
HK$38,073
baseline
▲ 0.50% · 4.625%
HK$40,079
+HK$2,006/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,146/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,318 · 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).