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$17,741
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,293
−HK$560/mo
Today · 4.125%
HK$18,853
baseline
▲ 0.50% · 4.625%
HK$20,001
+HK$1,148/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,706/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,736
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,266
−HK$537/mo
Today · 4.125%
HK$20,803
baseline
▲ 0.50% · 4.625%
HK$21,899
+HK$1,096/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,606/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,289
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,951
−HK$673/mo
Today · 4.125%
HK$22,624
baseline
▲ 0.50% · 4.625%
HK$24,001
+HK$1,377/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,248/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,684
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,319
−HK$644/mo
Today · 4.125%
HK$24,963
baseline
▲ 0.50% · 4.625%
HK$26,279
+HK$1,316/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,926/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,837
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,610
−HK$785/mo
Today · 4.125%
HK$26,395
baseline
▲ 0.50% · 4.625%
HK$28,001
+HK$1,606/mo
Deposit HK$2.33M · loan HK$5.45M · min. income ≈ HK$52,790/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,631
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,372
−HK$752/mo
Today · 4.125%
HK$29,124
baseline
▲ 0.50% · 4.625%
HK$30,659
+HK$1,535/mo
Deposit HK$2.33M · loan HK$5.45M · min. income ≈ HK$58,248/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,933
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,927
−HK$1,009/mo
Today · 4.125%
HK$33,936
baseline
▲ 0.50% · 4.625%
HK$36,001
+HK$2,065/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$67,872/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,526
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,478
−HK$967/mo
Today · 4.125%
HK$37,445
baseline
▲ 0.50% · 4.625%
HK$39,419
+HK$1,974/mo
Deposit HK$778K · loan HK$7.00M · min. income ≈ HK$74,890/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,406 · 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).