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$18,151
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,715
−HK$574/mo
Today · 4.125%
HK$19,289
baseline
▲ 0.50% · 4.625%
HK$20,462
+HK$1,173/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,578/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,192
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,734
−HK$549/mo
Today · 4.125%
HK$21,283
baseline
▲ 0.50% · 4.625%
HK$22,405
+HK$1,122/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,566/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,781
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,458
−HK$689/mo
Today · 4.125%
HK$23,147
baseline
▲ 0.50% · 4.625%
HK$24,555
+HK$1,408/mo
Deposit HK$3.18M · loan HK$4.78M · min. income ≈ HK$46,294/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,231
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,881
−HK$659/mo
Today · 4.125%
HK$25,540
baseline
▲ 0.50% · 4.625%
HK$26,886
+HK$1,346/mo
Deposit HK$3.18M · loan HK$4.78M · min. income ≈ HK$51,080/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,411
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,201
−HK$803/mo
Today · 4.125%
HK$27,004
baseline
▲ 0.50% · 4.625%
HK$28,647
+HK$1,643/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$54,008/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,269
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,027
−HK$770/mo
Today · 4.125%
HK$29,797
baseline
▲ 0.50% · 4.625%
HK$31,367
+HK$1,570/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,594/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,671
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,687
−HK$1,033/mo
Today · 4.125%
HK$34,720
baseline
▲ 0.50% · 4.625%
HK$36,832
+HK$2,112/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$69,440/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,346
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,321
−HK$989/mo
Today · 4.125%
HK$38,310
baseline
▲ 0.50% · 4.625%
HK$40,329
+HK$2,019/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$76,620/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,797 · 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).