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$18,187
−HK$557/mo
Today · 4.125%
HK$18,744
baseline
▲ 0.50% · 4.625%
HK$19,885
+HK$1,141/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$232,055 · 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$21,773
+HK$1,091/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$232,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,166
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,824
−HK$669/mo
Today · 4.125%
HK$22,493
baseline
▲ 0.50% · 4.625%
HK$23,862
+HK$1,369/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,986/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,547
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,178
−HK$641/mo
Today · 4.125%
HK$24,819
baseline
▲ 0.50% · 4.625%
HK$26,127
+HK$1,308/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,638/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,693
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,461
−HK$781/mo
Today · 4.125%
HK$26,242
baseline
▲ 0.50% · 4.625%
HK$27,839
+HK$1,597/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,484/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,471
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,208
−HK$747/mo
Today · 4.125%
HK$28,955
baseline
▲ 0.50% · 4.625%
HK$30,482
+HK$1,527/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$232,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,749
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,736
−HK$1,004/mo
Today · 4.125%
HK$33,740
baseline
▲ 0.50% · 4.625%
HK$35,792
+HK$2,052/mo
Deposit HK$774K · loan HK$6.96M · min. income ≈ HK$67,480/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,320
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,267
−HK$961/mo
Today · 4.125%
HK$37,228
baseline
▲ 0.50% · 4.625%
HK$39,191
+HK$1,963/mo
Deposit HK$774K · loan HK$6.96M · min. income ≈ HK$74,456/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,055 · 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).