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$17,943
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,501
−HK$567/mo
Today · 4.125%
HK$19,068
baseline
▲ 0.50% · 4.625%
HK$20,228
+HK$1,160/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,136/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,961
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,496
−HK$543/mo
Today · 4.125%
HK$21,039
baseline
▲ 0.50% · 4.625%
HK$22,148
+HK$1,109/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,078/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,531
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,201
−HK$680/mo
Today · 4.125%
HK$22,881
baseline
▲ 0.50% · 4.625%
HK$24,273
+HK$1,392/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,762/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,953
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,595
−HK$652/mo
Today · 4.125%
HK$25,247
baseline
▲ 0.50% · 4.625%
HK$26,578
+HK$1,331/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,494/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$236,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,120
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,901
−HK$794/mo
Today · 4.125%
HK$26,695
baseline
▲ 0.50% · 4.625%
HK$28,319
+HK$1,624/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,390/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,945
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,695
−HK$760/mo
Today · 4.125%
HK$29,455
baseline
▲ 0.50% · 4.625%
HK$31,008
+HK$1,553/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,910/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,297
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$33,301
−HK$1,021/mo
Today · 4.125%
HK$34,322
baseline
▲ 0.50% · 4.625%
HK$36,410
+HK$2,088/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$68,644/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,930
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,893
−HK$978/mo
Today · 4.125%
HK$37,871
baseline
▲ 0.50% · 4.625%
HK$39,867
+HK$1,996/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$75,742/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,060 · 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).