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$17,760
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,312
−HK$561/mo
Today · 4.125%
HK$18,873
baseline
▲ 0.50% · 4.625%
HK$20,022
+HK$1,149/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,746/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,757
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,287
−HK$538/mo
Today · 4.125%
HK$20,825
baseline
▲ 0.50% · 4.625%
HK$21,923
+HK$1,098/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,650/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,312
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,974
−HK$674/mo
Today · 4.125%
HK$22,648
baseline
▲ 0.50% · 4.625%
HK$24,026
+HK$1,378/mo
Deposit HK$3.12M · loan HK$4.67M · min. income ≈ HK$45,296/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,709
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,345
−HK$645/mo
Today · 4.125%
HK$24,990
baseline
▲ 0.50% · 4.625%
HK$26,307
+HK$1,317/mo
Deposit HK$3.12M · loan HK$4.67M · min. income ≈ HK$49,980/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,863
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,637
−HK$786/mo
Today · 4.125%
HK$26,423
baseline
▲ 0.50% · 4.625%
HK$28,030
+HK$1,607/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$52,846/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,660
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,402
−HK$753/mo
Today · 4.125%
HK$29,155
baseline
▲ 0.50% · 4.625%
HK$30,692
+HK$1,537/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$58,310/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,967
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,962
−HK$1,010/mo
Today · 4.125%
HK$33,972
baseline
▲ 0.50% · 4.625%
HK$36,039
+HK$2,067/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,944/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,563
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,517
−HK$968/mo
Today · 4.125%
HK$37,485
baseline
▲ 0.50% · 4.625%
HK$39,461
+HK$1,976/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$74,970/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,654 · 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).