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$17,362
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,902
−HK$548/mo
Today · 4.125%
HK$18,450
baseline
▲ 0.50% · 4.625%
HK$19,573
+HK$1,123/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,900/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,315
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,833
−HK$525/mo
Today · 4.125%
HK$20,358
baseline
▲ 0.50% · 4.625%
HK$21,431
+HK$1,073/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,716/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,834
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,482
−HK$658/mo
Today · 4.125%
HK$22,140
baseline
▲ 0.50% · 4.625%
HK$23,488
+HK$1,348/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,280/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,178
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,799
−HK$631/mo
Today · 4.125%
HK$24,430
baseline
▲ 0.50% · 4.625%
HK$25,717
+HK$1,287/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,860/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,306
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,062
−HK$768/mo
Today · 4.125%
HK$25,830
baseline
▲ 0.50% · 4.625%
HK$27,402
+HK$1,572/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$51,660/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,040
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,766
−HK$735/mo
Today · 4.125%
HK$28,501
baseline
▲ 0.50% · 4.625%
HK$30,004
+HK$1,503/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$57,002/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,251
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,223
−HK$988/mo
Today · 4.125%
HK$33,211
baseline
▲ 0.50% · 4.625%
HK$35,231
+HK$2,020/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$66,422/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,766
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,699
−HK$946/mo
Today · 4.125%
HK$36,645
baseline
▲ 0.50% · 4.625%
HK$38,576
+HK$1,931/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$73,290/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,417 · 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).