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$17,358
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,898
−HK$548/mo
Today · 4.125%
HK$18,446
baseline
▲ 0.50% · 4.625%
HK$19,569
+HK$1,123/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,892/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,310
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,828
−HK$526/mo
Today · 4.125%
HK$20,354
baseline
▲ 0.50% · 4.625%
HK$21,427
+HK$1,073/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,708/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,829
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,477
−HK$659/mo
Today · 4.125%
HK$22,136
baseline
▲ 0.50% · 4.625%
HK$23,482
+HK$1,346/mo
Deposit HK$3.04M · loan HK$4.57M · min. income ≈ HK$44,272/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,173
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,794
−HK$630/mo
Today · 4.125%
HK$24,424
baseline
▲ 0.50% · 4.625%
HK$25,712
+HK$1,288/mo
Deposit HK$3.04M · loan HK$4.57M · min. income ≈ HK$48,848/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,301
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,057
−HK$768/mo
Today · 4.125%
HK$25,825
baseline
▲ 0.50% · 4.625%
HK$27,396
+HK$1,571/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$51,650/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,035
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,760
−HK$735/mo
Today · 4.125%
HK$28,495
baseline
▲ 0.50% · 4.625%
HK$29,997
+HK$1,502/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$56,990/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,244
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,216
−HK$987/mo
Today · 4.125%
HK$33,203
baseline
▲ 0.50% · 4.625%
HK$35,224
+HK$2,021/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$66,406/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,759
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,691
−HK$946/mo
Today · 4.125%
HK$36,637
baseline
▲ 0.50% · 4.625%
HK$38,568
+HK$1,931/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$73,274/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,367 · 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).