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$17,638
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,186
−HK$558/mo
Today · 4.125%
HK$18,744
baseline
▲ 0.50% · 4.625%
HK$19,884
+HK$1,140/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,488/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,622
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,148
−HK$534/mo
Today · 4.125%
HK$20,682
baseline
▲ 0.50% · 4.625%
HK$21,772
+HK$1,090/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,364/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,165
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,824
−HK$668/mo
Today · 4.125%
HK$22,492
baseline
▲ 0.50% · 4.625%
HK$23,861
+HK$1,369/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,984/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,546
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,178
−HK$640/mo
Today · 4.125%
HK$24,818
baseline
▲ 0.50% · 4.625%
HK$26,126
+HK$1,308/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,636/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,693
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,461
−HK$780/mo
Today · 4.125%
HK$26,241
baseline
▲ 0.50% · 4.625%
HK$27,838
+HK$1,597/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,482/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,470
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,207
−HK$748/mo
Today · 4.125%
HK$28,955
baseline
▲ 0.50% · 4.625%
HK$30,481
+HK$1,526/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,910/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,748
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,735
−HK$1,004/mo
Today · 4.125%
HK$33,739
baseline
▲ 0.50% · 4.625%
HK$35,792
+HK$2,053/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$67,478/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,319
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,266
−HK$961/mo
Today · 4.125%
HK$37,227
baseline
▲ 0.50% · 4.625%
HK$39,190
+HK$1,963/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$74,454/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,049 · 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).