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$17,664
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,213
−HK$558/mo
Today · 4.125%
HK$18,771
baseline
▲ 0.50% · 4.625%
HK$19,914
+HK$1,143/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,542/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,651
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,178
−HK$534/mo
Today · 4.125%
HK$20,712
baseline
▲ 0.50% · 4.625%
HK$21,804
+HK$1,092/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,424/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,196
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,856
−HK$670/mo
Today · 4.125%
HK$22,526
baseline
▲ 0.50% · 4.625%
HK$23,896
+HK$1,370/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,052/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,581
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,213
−HK$642/mo
Today · 4.125%
HK$24,855
baseline
▲ 0.50% · 4.625%
HK$26,165
+HK$1,310/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,710/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,729
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,498
−HK$782/mo
Today · 4.125%
HK$26,280
baseline
▲ 0.50% · 4.625%
HK$27,879
+HK$1,599/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,560/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,511
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,249
−HK$748/mo
Today · 4.125%
HK$28,997
baseline
▲ 0.50% · 4.625%
HK$30,526
+HK$1,529/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,994/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,795
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,784
−HK$1,004/mo
Today · 4.125%
HK$33,788
baseline
▲ 0.50% · 4.625%
HK$35,844
+HK$2,056/mo
Deposit HK$775K · loan HK$6.97M · min. income ≈ HK$67,576/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,371
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,320
−HK$962/mo
Today · 4.125%
HK$37,282
baseline
▲ 0.50% · 4.625%
HK$39,247
+HK$1,965/mo
Deposit HK$775K · loan HK$6.97M · min. income ≈ HK$74,564/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,391 · 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).