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$18,172
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,737
−HK$574/mo
Today · 4.125%
HK$19,311
baseline
▲ 0.50% · 4.625%
HK$20,486
+HK$1,175/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,622/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,216
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,758
−HK$550/mo
Today · 4.125%
HK$21,308
baseline
▲ 0.50% · 4.625%
HK$22,431
+HK$1,123/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,616/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,806
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,484
−HK$689/mo
Today · 4.125%
HK$23,173
baseline
▲ 0.50% · 4.625%
HK$24,583
+HK$1,410/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,346/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,259
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,909
−HK$660/mo
Today · 4.125%
HK$25,569
baseline
▲ 0.50% · 4.625%
HK$26,917
+HK$1,348/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,138/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,440
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,231
−HK$804/mo
Today · 4.125%
HK$27,035
baseline
▲ 0.50% · 4.625%
HK$28,680
+HK$1,645/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,070/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,302
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,061
−HK$770/mo
Today · 4.125%
HK$29,831
baseline
▲ 0.50% · 4.625%
HK$31,403
+HK$1,572/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,662/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,709
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,726
−HK$1,034/mo
Today · 4.125%
HK$34,760
baseline
▲ 0.50% · 4.625%
HK$36,875
+HK$2,115/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$69,520/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,388
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,364
−HK$990/mo
Today · 4.125%
HK$38,354
baseline
▲ 0.50% · 4.625%
HK$40,376
+HK$2,022/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$76,708/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,072 · 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).