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$17,372
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,912
−HK$549/mo
Today · 4.125%
HK$18,461
baseline
▲ 0.50% · 4.625%
HK$19,584
+HK$1,123/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,922/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,326
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,844
−HK$526/mo
Today · 4.125%
HK$20,370
baseline
▲ 0.50% · 4.625%
HK$21,444
+HK$1,074/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,740/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,846
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,494
−HK$659/mo
Today · 4.125%
HK$22,153
baseline
▲ 0.50% · 4.625%
HK$23,501
+HK$1,348/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,306/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,191
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,813
−HK$631/mo
Today · 4.125%
HK$24,444
baseline
▲ 0.50% · 4.625%
HK$25,732
+HK$1,288/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,888/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,320
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,077
−HK$768/mo
Today · 4.125%
HK$25,845
baseline
▲ 0.50% · 4.625%
HK$27,418
+HK$1,573/mo
Deposit HK$2.29M · loan HK$5.33M · min. income ≈ HK$51,690/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,056
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,782
−HK$736/mo
Today · 4.125%
HK$28,518
baseline
▲ 0.50% · 4.625%
HK$30,021
+HK$1,503/mo
Deposit HK$2.29M · loan HK$5.33M · min. income ≈ HK$57,036/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,269
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,242
−HK$988/mo
Today · 4.125%
HK$33,230
baseline
▲ 0.50% · 4.625%
HK$35,252
+HK$2,022/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$66,460/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,787
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,719
−HK$947/mo
Today · 4.125%
HK$36,666
baseline
▲ 0.50% · 4.625%
HK$38,599
+HK$1,933/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$73,332/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,550 · 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).