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$17,649
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,198
−HK$558/mo
Today · 4.125%
HK$18,756
baseline
▲ 0.50% · 4.625%
HK$19,897
+HK$1,141/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,512/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,635
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,161
−HK$534/mo
Today · 4.125%
HK$20,695
baseline
▲ 0.50% · 4.625%
HK$21,786
+HK$1,091/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,390/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,179
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,838
−HK$669/mo
Today · 4.125%
HK$22,507
baseline
▲ 0.50% · 4.625%
HK$23,877
+HK$1,370/mo
Deposit HK$3.10M · loan HK$4.64M · min. income ≈ HK$45,014/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,561
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,193
−HK$641/mo
Today · 4.125%
HK$24,834
baseline
▲ 0.50% · 4.625%
HK$26,143
+HK$1,309/mo
Deposit HK$3.10M · loan HK$4.64M · min. income ≈ HK$49,668/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,709
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,477
−HK$781/mo
Today · 4.125%
HK$26,258
baseline
▲ 0.50% · 4.625%
HK$27,856
+HK$1,598/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,516/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,488
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,226
−HK$747/mo
Today · 4.125%
HK$28,973
baseline
▲ 0.50% · 4.625%
HK$30,501
+HK$1,528/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,946/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,769
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,757
−HK$1,004/mo
Today · 4.125%
HK$33,761
baseline
▲ 0.50% · 4.625%
HK$35,815
+HK$2,054/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$67,522/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,342
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,290
−HK$962/mo
Today · 4.125%
HK$37,252
baseline
▲ 0.50% · 4.625%
HK$39,215
+HK$1,963/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$74,504/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,200 · 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).