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$17,307
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,846
−HK$547/mo
Today · 4.125%
HK$18,393
baseline
▲ 0.50% · 4.625%
HK$19,512
+HK$1,119/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,786/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,254
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,771
−HK$524/mo
Today · 4.125%
HK$20,295
baseline
▲ 0.50% · 4.625%
HK$21,364
+HK$1,069/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,590/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,769
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,415
−HK$656/mo
Today · 4.125%
HK$22,071
baseline
▲ 0.50% · 4.625%
HK$23,414
+HK$1,343/mo
Deposit HK$3.04M · loan HK$4.55M · min. income ≈ HK$44,142/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,105
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,725
−HK$629/mo
Today · 4.125%
HK$24,354
baseline
▲ 0.50% · 4.625%
HK$25,637
+HK$1,283/mo
Deposit HK$3.04M · loan HK$4.55M · min. income ≈ HK$48,708/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,230
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,984
−HK$766/mo
Today · 4.125%
HK$25,750
baseline
▲ 0.50% · 4.625%
HK$27,317
+HK$1,567/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$51,500/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,956
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,679
−HK$733/mo
Today · 4.125%
HK$28,412
baseline
▲ 0.50% · 4.625%
HK$29,910
+HK$1,498/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$56,824/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,153
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,122
−HK$985/mo
Today · 4.125%
HK$33,107
baseline
▲ 0.50% · 4.625%
HK$35,121
+HK$2,014/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,214/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,658
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,587
−HK$943/mo
Today · 4.125%
HK$36,530
baseline
▲ 0.50% · 4.625%
HK$38,456
+HK$1,926/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,060/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,704 · 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).