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$17,824
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,378
−HK$564/mo
Today · 4.125%
HK$18,942
baseline
▲ 0.50% · 4.625%
HK$20,094
+HK$1,152/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,884/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,829
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,361
−HK$539/mo
Today · 4.125%
HK$20,900
baseline
▲ 0.50% · 4.625%
HK$22,002
+HK$1,102/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,800/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,389
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,054
−HK$676/mo
Today · 4.125%
HK$22,730
baseline
▲ 0.50% · 4.625%
HK$24,113
+HK$1,383/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,460/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,795
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,433
−HK$647/mo
Today · 4.125%
HK$25,080
baseline
▲ 0.50% · 4.625%
HK$26,402
+HK$1,322/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,160/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,953
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,730
−HK$788/mo
Today · 4.125%
HK$26,518
baseline
▲ 0.50% · 4.625%
HK$28,132
+HK$1,614/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$53,036/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,760
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,505
−HK$755/mo
Today · 4.125%
HK$29,260
baseline
▲ 0.50% · 4.625%
HK$30,803
+HK$1,543/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$58,520/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,083
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,081
−HK$1,014/mo
Today · 4.125%
HK$34,095
baseline
▲ 0.50% · 4.625%
HK$36,169
+HK$2,074/mo
Deposit HK$782K · loan HK$7.03M · min. income ≈ HK$68,190/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,692
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,649
−HK$971/mo
Today · 4.125%
HK$37,620
baseline
▲ 0.50% · 4.625%
HK$39,603
+HK$1,983/mo
Deposit HK$782K · loan HK$7.03M · min. income ≈ HK$75,240/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,499 · 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).