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$17,886
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,443
−HK$565/mo
Today · 4.125%
HK$19,008
baseline
▲ 0.50% · 4.625%
HK$20,165
+HK$1,157/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$38,016/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,898
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,432
−HK$541/mo
Today · 4.125%
HK$20,973
baseline
▲ 0.50% · 4.625%
HK$22,079
+HK$1,106/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,946/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$235,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,464
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,131
−HK$679/mo
Today · 4.125%
HK$22,810
baseline
▲ 0.50% · 4.625%
HK$24,197
+HK$1,387/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$45,620/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,878
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,518
−HK$650/mo
Today · 4.125%
HK$25,168
baseline
▲ 0.50% · 4.625%
HK$26,495
+HK$1,327/mo
Deposit HK$3.14M · loan HK$4.71M · min. income ≈ HK$50,336/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$235,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,041
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,820
−HK$791/mo
Today · 4.125%
HK$26,611
baseline
▲ 0.50% · 4.625%
HK$28,230
+HK$1,619/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$53,222/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,858
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,605
−HK$758/mo
Today · 4.125%
HK$29,363
baseline
▲ 0.50% · 4.625%
HK$30,911
+HK$1,548/mo
Deposit HK$2.35M · loan HK$5.49M · min. income ≈ HK$58,726/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$235,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,195
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,197
−HK$1,017/mo
Today · 4.125%
HK$34,214
baseline
▲ 0.50% · 4.625%
HK$36,296
+HK$2,082/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$68,428/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,817
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,778
−HK$974/mo
Today · 4.125%
HK$37,752
baseline
▲ 0.50% · 4.625%
HK$39,742
+HK$1,990/mo
Deposit HK$784K · loan HK$7.06M · min. income ≈ HK$75,504/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,321 · 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).