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$18,035
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,596
−HK$570/mo
Today · 4.125%
HK$19,166
baseline
▲ 0.50% · 4.625%
HK$20,333
+HK$1,167/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,332/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,064
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,602
−HK$546/mo
Today · 4.125%
HK$21,148
baseline
▲ 0.50% · 4.625%
HK$22,263
+HK$1,115/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,296/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,643
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,316
−HK$684/mo
Today · 4.125%
HK$23,000
baseline
▲ 0.50% · 4.625%
HK$24,399
+HK$1,399/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$46,000/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,077
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,723
−HK$655/mo
Today · 4.125%
HK$25,378
baseline
▲ 0.50% · 4.625%
HK$26,716
+HK$1,338/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$50,756/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,250
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,035
−HK$798/mo
Today · 4.125%
HK$26,833
baseline
▲ 0.50% · 4.625%
HK$28,466
+HK$1,633/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,666/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,090
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,843
−HK$765/mo
Today · 4.125%
HK$29,608
baseline
▲ 0.50% · 4.625%
HK$31,168
+HK$1,560/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,216/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,464
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,474
−HK$1,026/mo
Today · 4.125%
HK$34,500
baseline
▲ 0.50% · 4.625%
HK$36,599
+HK$2,099/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$69,000/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,116
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,084
−HK$983/mo
Today · 4.125%
HK$38,067
baseline
▲ 0.50% · 4.625%
HK$40,073
+HK$2,006/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,134/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,283 · 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).