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$17,731
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,282
−HK$561/mo
Today · 4.125%
HK$18,843
baseline
▲ 0.50% · 4.625%
HK$19,989
+HK$1,146/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,686/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,725
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,254
−HK$537/mo
Today · 4.125%
HK$20,791
baseline
▲ 0.50% · 4.625%
HK$21,887
+HK$1,096/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,582/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,277
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,939
−HK$672/mo
Today · 4.125%
HK$22,611
baseline
▲ 0.50% · 4.625%
HK$23,987
+HK$1,376/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,222/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,670
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,305
−HK$644/mo
Today · 4.125%
HK$24,949
baseline
▲ 0.50% · 4.625%
HK$26,264
+HK$1,315/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,898/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,823
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,595
−HK$785/mo
Today · 4.125%
HK$26,380
baseline
▲ 0.50% · 4.625%
HK$27,985
+HK$1,605/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,760/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,615
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,356
−HK$751/mo
Today · 4.125%
HK$29,107
baseline
▲ 0.50% · 4.625%
HK$30,642
+HK$1,535/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,214/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,915
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,908
−HK$1,009/mo
Today · 4.125%
HK$33,917
baseline
▲ 0.50% · 4.625%
HK$35,981
+HK$2,064/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$67,834/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,506
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,458
−HK$966/mo
Today · 4.125%
HK$37,424
baseline
▲ 0.50% · 4.625%
HK$39,396
+HK$1,972/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$74,848/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,274 · 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).