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$17,969
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,528
−HK$568/mo
Today · 4.125%
HK$19,096
baseline
▲ 0.50% · 4.625%
HK$20,258
+HK$1,162/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,192/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,990
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,527
−HK$543/mo
Today · 4.125%
HK$21,070
baseline
▲ 0.50% · 4.625%
HK$22,181
+HK$1,111/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,140/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,563
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$22,234
−HK$681/mo
Today · 4.125%
HK$22,915
baseline
▲ 0.50% · 4.625%
HK$24,309
+HK$1,394/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$45,830/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,989
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$24,632
−HK$653/mo
Today · 4.125%
HK$25,285
baseline
▲ 0.50% · 4.625%
HK$26,617
+HK$1,332/mo
Deposit HK$3.15M · loan HK$4.73M · min. income ≈ HK$50,570/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,157
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,939
−HK$795/mo
Today · 4.125%
HK$26,734
baseline
▲ 0.50% · 4.625%
HK$28,361
+HK$1,627/mo
Deposit HK$2.36M · loan HK$5.52M · min. income ≈ HK$53,468/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,987
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,737
−HK$762/mo
Today · 4.125%
HK$29,499
baseline
▲ 0.50% · 4.625%
HK$31,054
+HK$1,555/mo
Deposit HK$2.36M · loan HK$5.52M · min. income ≈ HK$58,998/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,344
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$33,350
−HK$1,023/mo
Today · 4.125%
HK$34,373
baseline
▲ 0.50% · 4.625%
HK$36,464
+HK$2,091/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$68,746/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,983
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,948
−HK$979/mo
Today · 4.125%
HK$37,927
baseline
▲ 0.50% · 4.625%
HK$39,926
+HK$1,999/mo
Deposit HK$788K · loan HK$7.09M · min. income ≈ HK$75,854/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,409 · 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).