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$17,924
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,481
−HK$567/mo
Today · 4.125%
HK$19,048
baseline
▲ 0.50% · 4.625%
HK$20,207
+HK$1,159/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,096/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,940
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,475
−HK$542/mo
Today · 4.125%
HK$21,017
baseline
▲ 0.50% · 4.625%
HK$22,125
+HK$1,108/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,034/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,509
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$22,178
−HK$679/mo
Today · 4.125%
HK$22,857
baseline
▲ 0.50% · 4.625%
HK$24,248
+HK$1,391/mo
Deposit HK$3.14M · loan HK$4.72M · min. income ≈ HK$45,714/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,928
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,570
−HK$651/mo
Today · 4.125%
HK$25,221
baseline
▲ 0.50% · 4.625%
HK$26,550
+HK$1,329/mo
Deposit HK$3.14M · loan HK$4.72M · min. income ≈ HK$50,442/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,093
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,874
−HK$793/mo
Today · 4.125%
HK$26,667
baseline
▲ 0.50% · 4.625%
HK$28,290
+HK$1,623/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$53,334/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,916
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,665
−HK$759/mo
Today · 4.125%
HK$29,424
baseline
▲ 0.50% · 4.625%
HK$30,975
+HK$1,551/mo
Deposit HK$2.36M · loan HK$5.50M · min. income ≈ HK$58,848/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,263
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,266
−HK$1,020/mo
Today · 4.125%
HK$34,286
baseline
▲ 0.50% · 4.625%
HK$36,372
+HK$2,086/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$68,572/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,892
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,855
−HK$976/mo
Today · 4.125%
HK$37,831
baseline
▲ 0.50% · 4.625%
HK$39,825
+HK$1,994/mo
Deposit HK$786K · loan HK$7.07M · min. income ≈ HK$75,662/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,813 · 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).