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$17,454
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$17,997
−HK$552/mo
Today · 4.125%
HK$18,549
baseline
▲ 0.50% · 4.625%
HK$19,677
+HK$1,128/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,098/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,417
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,938
−HK$529/mo
Today · 4.125%
HK$20,467
baseline
▲ 0.50% · 4.625%
HK$21,545
+HK$1,078/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,934/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,945
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,596
−HK$662/mo
Today · 4.125%
HK$22,258
baseline
▲ 0.50% · 4.625%
HK$23,613
+HK$1,355/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,516/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,301
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,926
−HK$634/mo
Today · 4.125%
HK$24,560
baseline
▲ 0.50% · 4.625%
HK$25,854
+HK$1,294/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,120/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,436
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,196
−HK$772/mo
Today · 4.125%
HK$25,968
baseline
▲ 0.50% · 4.625%
HK$27,548
+HK$1,580/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,936/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,184
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,914
−HK$739/mo
Today · 4.125%
HK$28,653
baseline
▲ 0.50% · 4.625%
HK$30,164
+HK$1,511/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,306/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,417
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,395
−HK$992/mo
Today · 4.125%
HK$33,387
baseline
▲ 0.50% · 4.625%
HK$35,419
+HK$2,032/mo
Deposit HK$765K · loan HK$6.89M · min. income ≈ HK$66,774/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,951
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,889
−HK$951/mo
Today · 4.125%
HK$36,840
baseline
▲ 0.50% · 4.625%
HK$38,782
+HK$1,942/mo
Deposit HK$765K · loan HK$6.89M · min. income ≈ HK$73,680/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,634 · 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).