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$18,064
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,626
−HK$571/mo
Today · 4.125%
HK$19,197
baseline
▲ 0.50% · 4.625%
HK$20,365
+HK$1,168/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,394/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,097
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,636
−HK$546/mo
Today · 4.125%
HK$21,182
baseline
▲ 0.50% · 4.625%
HK$22,299
+HK$1,117/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,364/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,677
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,352
−HK$685/mo
Today · 4.125%
HK$23,037
baseline
▲ 0.50% · 4.625%
HK$24,438
+HK$1,401/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,074/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,116
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,763
−HK$656/mo
Today · 4.125%
HK$25,419
baseline
▲ 0.50% · 4.625%
HK$26,759
+HK$1,340/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,838/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,290
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,077
−HK$799/mo
Today · 4.125%
HK$26,876
baseline
▲ 0.50% · 4.625%
HK$28,512
+HK$1,636/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,752/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,135
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,890
−HK$765/mo
Today · 4.125%
HK$29,655
baseline
▲ 0.50% · 4.625%
HK$31,218
+HK$1,563/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,310/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,516
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,527
−HK$1,028/mo
Today · 4.125%
HK$34,555
baseline
▲ 0.50% · 4.625%
HK$36,658
+HK$2,103/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$69,110/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,174
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,144
−HK$984/mo
Today · 4.125%
HK$38,128
baseline
▲ 0.50% · 4.625%
HK$40,138
+HK$2,010/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$76,256/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,664 · 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).