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$17,540
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,086
−HK$554/mo
Today · 4.125%
HK$18,640
baseline
▲ 0.50% · 4.625%
HK$19,774
+HK$1,134/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,280/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,513
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,036
−HK$531/mo
Today · 4.125%
HK$20,567
baseline
▲ 0.50% · 4.625%
HK$21,652
+HK$1,085/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,134/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,048
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,703
−HK$665/mo
Today · 4.125%
HK$22,368
baseline
▲ 0.50% · 4.625%
HK$23,729
+HK$1,361/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,736/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,416
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,044
−HK$637/mo
Today · 4.125%
HK$24,681
baseline
▲ 0.50% · 4.625%
HK$25,982
+HK$1,301/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,362/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,556
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,320
−HK$776/mo
Today · 4.125%
HK$26,096
baseline
▲ 0.50% · 4.625%
HK$27,684
+HK$1,588/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$52,192/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,318
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,051
−HK$743/mo
Today · 4.125%
HK$28,794
baseline
▲ 0.50% · 4.625%
HK$30,312
+HK$1,518/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$57,588/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,572
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,554
−HK$998/mo
Today · 4.125%
HK$33,552
baseline
▲ 0.50% · 4.625%
HK$35,594
+HK$2,042/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$67,104/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$230,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,124
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,066
−HK$955/mo
Today · 4.125%
HK$37,021
baseline
▲ 0.50% · 4.625%
HK$38,973
+HK$1,952/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$74,042/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$230,765 · 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).