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$18,154
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,719
−HK$573/mo
Today · 4.125%
HK$19,292
baseline
▲ 0.50% · 4.625%
HK$20,466
+HK$1,174/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,584/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,196
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,738
−HK$549/mo
Today · 4.125%
HK$21,287
baseline
▲ 0.50% · 4.625%
HK$22,409
+HK$1,122/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,574/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,785
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,462
−HK$689/mo
Today · 4.125%
HK$23,151
baseline
▲ 0.50% · 4.625%
HK$24,560
+HK$1,409/mo
Deposit HK$3.18M · loan HK$4.78M · min. income ≈ HK$46,302/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,235
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,885
−HK$660/mo
Today · 4.125%
HK$25,545
baseline
▲ 0.50% · 4.625%
HK$26,891
+HK$1,346/mo
Deposit HK$3.18M · loan HK$4.78M · min. income ≈ HK$51,090/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,416
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,206
−HK$803/mo
Today · 4.125%
HK$27,009
baseline
▲ 0.50% · 4.625%
HK$28,653
+HK$1,644/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$54,018/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,275
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,033
−HK$769/mo
Today · 4.125%
HK$29,802
baseline
▲ 0.50% · 4.625%
HK$31,373
+HK$1,571/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,604/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,677
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,694
−HK$1,032/mo
Today · 4.125%
HK$34,726
baseline
▲ 0.50% · 4.625%
HK$36,839
+HK$2,113/mo
Deposit HK$796K · loan HK$7.17M · min. income ≈ HK$69,452/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,353
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,328
−HK$989/mo
Today · 4.125%
HK$38,317
baseline
▲ 0.50% · 4.625%
HK$40,337
+HK$2,020/mo
Deposit HK$796K · loan HK$7.17M · min. income ≈ HK$76,634/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,842 · 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).