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$17,885
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,441
−HK$565/mo
Today · 4.125%
HK$19,006
baseline
▲ 0.50% · 4.625%
HK$20,163
+HK$1,157/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$38,012/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,897
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,430
−HK$542/mo
Today · 4.125%
HK$20,972
baseline
▲ 0.50% · 4.625%
HK$22,077
+HK$1,105/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,944/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,462
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,129
−HK$679/mo
Today · 4.125%
HK$22,808
baseline
▲ 0.50% · 4.625%
HK$24,195
+HK$1,387/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,616/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,876
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,516
−HK$650/mo
Today · 4.125%
HK$25,166
baseline
▲ 0.50% · 4.625%
HK$26,493
+HK$1,327/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,332/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,039
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,818
−HK$791/mo
Today · 4.125%
HK$26,609
baseline
▲ 0.50% · 4.625%
HK$28,228
+HK$1,619/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,218/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,855
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,602
−HK$758/mo
Today · 4.125%
HK$29,360
baseline
▲ 0.50% · 4.625%
HK$30,908
+HK$1,548/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,720/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,193
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,194
−HK$1,017/mo
Today · 4.125%
HK$34,211
baseline
▲ 0.50% · 4.625%
HK$36,293
+HK$2,082/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$68,422/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,814
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,775
−HK$974/mo
Today · 4.125%
HK$37,749
baseline
▲ 0.50% · 4.625%
HK$39,739
+HK$1,990/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$75,498/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,301 · 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).