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$18,159
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,724
−HK$574/mo
Today · 4.125%
HK$19,298
baseline
▲ 0.50% · 4.625%
HK$20,472
+HK$1,174/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,596/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,202
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,744
−HK$550/mo
Today · 4.125%
HK$21,294
baseline
▲ 0.50% · 4.625%
HK$22,416
+HK$1,122/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,588/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,791
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,469
−HK$689/mo
Today · 4.125%
HK$23,158
baseline
▲ 0.50% · 4.625%
HK$24,567
+HK$1,409/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,316/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,243
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,893
−HK$659/mo
Today · 4.125%
HK$25,552
baseline
▲ 0.50% · 4.625%
HK$26,899
+HK$1,347/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,104/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,423
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,214
−HK$803/mo
Today · 4.125%
HK$27,017
baseline
▲ 0.50% · 4.625%
HK$28,661
+HK$1,644/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$54,034/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,283
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,042
−HK$769/mo
Today · 4.125%
HK$29,811
baseline
▲ 0.50% · 4.625%
HK$31,382
+HK$1,571/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,622/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,687
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,704
−HK$1,033/mo
Today · 4.125%
HK$34,737
baseline
▲ 0.50% · 4.625%
HK$36,850
+HK$2,113/mo
Deposit HK$796K · loan HK$7.17M · min. income ≈ HK$69,474/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,364
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,339
−HK$989/mo
Today · 4.125%
HK$38,328
baseline
▲ 0.50% · 4.625%
HK$40,349
+HK$2,021/mo
Deposit HK$796K · loan HK$7.17M · min. income ≈ HK$76,656/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,913 · 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).