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$17,627
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,175
−HK$558/mo
Today · 4.125%
HK$18,733
baseline
▲ 0.50% · 4.625%
HK$19,872
+HK$1,139/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,466/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,610
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,136
−HK$534/mo
Today · 4.125%
HK$20,670
baseline
▲ 0.50% · 4.625%
HK$21,759
+HK$1,089/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,340/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,153
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,811
−HK$668/mo
Today · 4.125%
HK$22,479
baseline
▲ 0.50% · 4.625%
HK$23,847
+HK$1,368/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,958/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,532
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,163
−HK$640/mo
Today · 4.125%
HK$24,803
baseline
▲ 0.50% · 4.625%
HK$26,111
+HK$1,308/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,606/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,678
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,446
−HK$780/mo
Today · 4.125%
HK$26,226
baseline
▲ 0.50% · 4.625%
HK$27,821
+HK$1,595/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,452/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,454
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,190
−HK$747/mo
Today · 4.125%
HK$28,937
baseline
▲ 0.50% · 4.625%
HK$30,463
+HK$1,526/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,874/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,729
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,716
−HK$1,003/mo
Today · 4.125%
HK$33,719
baseline
▲ 0.50% · 4.625%
HK$35,770
+HK$2,051/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$67,438/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,298
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,245
−HK$960/mo
Today · 4.125%
HK$37,205
baseline
▲ 0.50% · 4.625%
HK$39,166
+HK$1,961/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$74,410/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,911 · 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).