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$17,612
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,160
−HK$556/mo
Today · 4.125%
HK$18,716
baseline
▲ 0.50% · 4.625%
HK$19,855
+HK$1,139/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,432/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,593
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,119
−HK$533/mo
Today · 4.125%
HK$20,652
baseline
▲ 0.50% · 4.625%
HK$21,740
+HK$1,088/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,304/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,134
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,792
−HK$668/mo
Today · 4.125%
HK$22,460
baseline
▲ 0.50% · 4.625%
HK$23,826
+HK$1,366/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$44,920/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,512
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,142
−HK$640/mo
Today · 4.125%
HK$24,782
baseline
▲ 0.50% · 4.625%
HK$26,088
+HK$1,306/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$49,564/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,657
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,424
−HK$779/mo
Today · 4.125%
HK$26,203
baseline
▲ 0.50% · 4.625%
HK$27,797
+HK$1,594/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,406/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,430
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,166
−HK$746/mo
Today · 4.125%
HK$28,912
baseline
▲ 0.50% · 4.625%
HK$30,436
+HK$1,524/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,824/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,702
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,688
−HK$1,002/mo
Today · 4.125%
HK$33,690
baseline
▲ 0.50% · 4.625%
HK$35,739
+HK$2,049/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$67,380/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,268
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,214
−HK$959/mo
Today · 4.125%
HK$37,173
baseline
▲ 0.50% · 4.625%
HK$39,132
+HK$1,959/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$74,346/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,711 · 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).