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$18,206
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,773
−HK$575/mo
Today · 4.125%
HK$19,348
baseline
▲ 0.50% · 4.625%
HK$20,525
+HK$1,177/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,696/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,254
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,798
−HK$551/mo
Today · 4.125%
HK$21,349
baseline
▲ 0.50% · 4.625%
HK$22,474
+HK$1,125/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,698/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,848
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,527
−HK$691/mo
Today · 4.125%
HK$23,218
baseline
▲ 0.50% · 4.625%
HK$24,630
+HK$1,412/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,436/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,305
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,957
−HK$661/mo
Today · 4.125%
HK$25,618
baseline
▲ 0.50% · 4.625%
HK$26,969
+HK$1,351/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,236/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,489
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,282
−HK$805/mo
Today · 4.125%
HK$27,087
baseline
▲ 0.50% · 4.625%
HK$28,735
+HK$1,648/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$54,174/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,356
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,117
−HK$771/mo
Today · 4.125%
HK$29,888
baseline
▲ 0.50% · 4.625%
HK$31,464
+HK$1,576/mo
Deposit HK$2.40M · loan HK$5.59M · min. income ≈ HK$59,776/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,771
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$33,791
−HK$1,036/mo
Today · 4.125%
HK$34,827
baseline
▲ 0.50% · 4.625%
HK$36,946
+HK$2,119/mo
Deposit HK$798K · loan HK$7.19M · min. income ≈ HK$69,654/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,458
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,436
−HK$992/mo
Today · 4.125%
HK$38,428
baseline
▲ 0.50% · 4.625%
HK$40,453
+HK$2,025/mo
Deposit HK$798K · loan HK$7.19M · min. income ≈ HK$76,856/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,531 · 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).