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$17,439
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,982
−HK$551/mo
Today · 4.125%
HK$18,533
baseline
▲ 0.50% · 4.625%
HK$19,661
+HK$1,128/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,066/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,401
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,921
−HK$528/mo
Today · 4.125%
HK$20,449
baseline
▲ 0.50% · 4.625%
HK$21,527
+HK$1,078/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,898/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,927
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,578
−HK$661/mo
Today · 4.125%
HK$22,239
baseline
▲ 0.50% · 4.625%
HK$23,593
+HK$1,354/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,478/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,281
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,906
−HK$633/mo
Today · 4.125%
HK$24,539
baseline
▲ 0.50% · 4.625%
HK$25,833
+HK$1,294/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,078/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,415
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,174
−HK$772/mo
Today · 4.125%
HK$25,946
baseline
▲ 0.50% · 4.625%
HK$27,525
+HK$1,579/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,892/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,161
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,890
−HK$739/mo
Today · 4.125%
HK$28,629
baseline
▲ 0.50% · 4.625%
HK$30,138
+HK$1,509/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,258/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,391
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,367
−HK$992/mo
Today · 4.125%
HK$33,359
baseline
▲ 0.50% · 4.625%
HK$35,389
+HK$2,030/mo
Deposit HK$765K · loan HK$6.88M · min. income ≈ HK$66,718/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,922
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,858
−HK$951/mo
Today · 4.125%
HK$36,809
baseline
▲ 0.50% · 4.625%
HK$38,749
+HK$1,940/mo
Deposit HK$765K · loan HK$6.88M · min. income ≈ HK$73,618/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,439 · 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).