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$17,370
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,910
−HK$549/mo
Today · 4.125%
HK$18,459
baseline
▲ 0.50% · 4.625%
HK$19,583
+HK$1,124/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,918/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,324
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,842
−HK$526/mo
Today · 4.125%
HK$20,368
baseline
▲ 0.50% · 4.625%
HK$21,442
+HK$1,074/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,736/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,844
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,493
−HK$658/mo
Today · 4.125%
HK$22,151
baseline
▲ 0.50% · 4.625%
HK$23,499
+HK$1,348/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,302/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,189
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,811
−HK$631/mo
Today · 4.125%
HK$24,442
baseline
▲ 0.50% · 4.625%
HK$25,730
+HK$1,288/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,884/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,318
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,075
−HK$768/mo
Today · 4.125%
HK$25,843
baseline
▲ 0.50% · 4.625%
HK$27,416
+HK$1,573/mo
Deposit HK$2.29M · loan HK$5.33M · min. income ≈ HK$51,686/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,054
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,779
−HK$736/mo
Today · 4.125%
HK$28,515
baseline
▲ 0.50% · 4.625%
HK$30,018
+HK$1,503/mo
Deposit HK$2.29M · loan HK$5.33M · min. income ≈ HK$57,030/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,266
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,239
−HK$988/mo
Today · 4.125%
HK$33,227
baseline
▲ 0.50% · 4.625%
HK$35,249
+HK$2,022/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$66,454/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,783
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,716
−HK$947/mo
Today · 4.125%
HK$36,663
baseline
▲ 0.50% · 4.625%
HK$38,595
+HK$1,932/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$73,326/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,529 · 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).