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$17,314
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,852
−HK$547/mo
Today · 4.125%
HK$18,399
baseline
▲ 0.50% · 4.625%
HK$19,519
+HK$1,120/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,798/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,261
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,778
−HK$524/mo
Today · 4.125%
HK$20,302
baseline
▲ 0.50% · 4.625%
HK$21,372
+HK$1,070/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,604/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,776
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,423
−HK$656/mo
Today · 4.125%
HK$22,079
baseline
▲ 0.50% · 4.625%
HK$23,423
+HK$1,344/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,158/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,114
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,734
−HK$628/mo
Today · 4.125%
HK$24,362
baseline
▲ 0.50% · 4.625%
HK$25,647
+HK$1,285/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,724/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,239
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,993
−HK$766/mo
Today · 4.125%
HK$25,759
baseline
▲ 0.50% · 4.625%
HK$27,327
+HK$1,568/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,518/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,966
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,689
−HK$734/mo
Today · 4.125%
HK$28,423
baseline
▲ 0.50% · 4.625%
HK$29,921
+HK$1,498/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,846/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,165
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,134
−HK$985/mo
Today · 4.125%
HK$33,119
baseline
▲ 0.50% · 4.625%
HK$35,134
+HK$2,015/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,238/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,670
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,600
−HK$944/mo
Today · 4.125%
HK$36,544
baseline
▲ 0.50% · 4.625%
HK$38,470
+HK$1,926/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,088/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,787 · 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).