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$17,320
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,859
−HK$548/mo
Today · 4.125%
HK$18,407
baseline
▲ 0.50% · 4.625%
HK$19,527
+HK$1,120/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,814/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,269
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,786
−HK$524/mo
Today · 4.125%
HK$20,310
baseline
▲ 0.50% · 4.625%
HK$21,380
+HK$1,070/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,620/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,785
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,431
−HK$657/mo
Today · 4.125%
HK$22,088
baseline
▲ 0.50% · 4.625%
HK$23,432
+HK$1,344/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,176/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,123
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,743
−HK$629/mo
Today · 4.125%
HK$24,372
baseline
▲ 0.50% · 4.625%
HK$25,656
+HK$1,284/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,744/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,249
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$25,003
−HK$766/mo
Today · 4.125%
HK$25,769
baseline
▲ 0.50% · 4.625%
HK$27,337
+HK$1,568/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,538/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,976
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,700
−HK$734/mo
Today · 4.125%
HK$28,434
baseline
▲ 0.50% · 4.625%
HK$29,933
+HK$1,499/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,868/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,177
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,147
−HK$985/mo
Today · 4.125%
HK$33,132
baseline
▲ 0.50% · 4.625%
HK$35,148
+HK$2,016/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,264/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,684
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,614
−HK$944/mo
Today · 4.125%
HK$36,558
baseline
▲ 0.50% · 4.625%
HK$38,485
+HK$1,927/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,116/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,875 · 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).