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$18,194
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,760
−HK$574/mo
Today · 4.125%
HK$19,334
baseline
▲ 0.50% · 4.625%
HK$20,511
+HK$1,177/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,668/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,240
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,783
−HK$551/mo
Today · 4.125%
HK$21,334
baseline
▲ 0.50% · 4.625%
HK$22,458
+HK$1,124/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,668/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,832
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,511
−HK$690/mo
Today · 4.125%
HK$23,201
baseline
▲ 0.50% · 4.625%
HK$24,613
+HK$1,412/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,402/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,288
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,940
−HK$660/mo
Today · 4.125%
HK$25,600
baseline
▲ 0.50% · 4.625%
HK$26,950
+HK$1,350/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,200/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,471
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,263
−HK$805/mo
Today · 4.125%
HK$27,068
baseline
▲ 0.50% · 4.625%
HK$28,715
+HK$1,647/mo
Deposit HK$2.39M · loan HK$5.59M · min. income ≈ HK$54,136/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,336
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,096
−HK$771/mo
Today · 4.125%
HK$29,867
baseline
▲ 0.50% · 4.625%
HK$31,442
+HK$1,575/mo
Deposit HK$2.39M · loan HK$5.59M · min. income ≈ HK$59,734/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,748
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,767
−HK$1,035/mo
Today · 4.125%
HK$34,802
baseline
▲ 0.50% · 4.625%
HK$36,920
+HK$2,118/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$69,604/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,432
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,409
−HK$992/mo
Today · 4.125%
HK$38,401
baseline
▲ 0.50% · 4.625%
HK$40,425
+HK$2,024/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$76,802/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,363 · 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).