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$18,113
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,677
−HK$572/mo
Today · 4.125%
HK$19,249
baseline
▲ 0.50% · 4.625%
HK$20,421
+HK$1,172/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,498/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,151
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,691
−HK$549/mo
Today · 4.125%
HK$21,240
baseline
▲ 0.50% · 4.625%
HK$22,359
+HK$1,119/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,480/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,736
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,412
−HK$687/mo
Today · 4.125%
HK$23,099
baseline
▲ 0.50% · 4.625%
HK$24,505
+HK$1,406/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,198/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,181
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,830
−HK$658/mo
Today · 4.125%
HK$25,488
baseline
▲ 0.50% · 4.625%
HK$26,831
+HK$1,343/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$50,976/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,359
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,148
−HK$801/mo
Today · 4.125%
HK$26,949
baseline
▲ 0.50% · 4.625%
HK$28,589
+HK$1,640/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,898/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,211
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,968
−HK$768/mo
Today · 4.125%
HK$29,736
baseline
▲ 0.50% · 4.625%
HK$31,303
+HK$1,567/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,472/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,604
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,618
−HK$1,031/mo
Today · 4.125%
HK$34,649
baseline
▲ 0.50% · 4.625%
HK$36,757
+HK$2,108/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$69,298/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,272
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,245
−HK$986/mo
Today · 4.125%
HK$38,231
baseline
▲ 0.50% · 4.625%
HK$40,247
+HK$2,016/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$76,462/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,308 · 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).