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$17,311
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,849
−HK$547/mo
Today · 4.125%
HK$18,396
baseline
▲ 0.50% · 4.625%
HK$19,515
+HK$1,119/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,792/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,258
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,774
−HK$524/mo
Today · 4.125%
HK$20,298
baseline
▲ 0.50% · 4.625%
HK$21,368
+HK$1,070/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,596/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,773
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,419
−HK$656/mo
Today · 4.125%
HK$22,075
baseline
▲ 0.50% · 4.625%
HK$23,419
+HK$1,344/mo
Deposit HK$3.04M · loan HK$4.55M · min. income ≈ HK$44,150/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,109
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,729
−HK$629/mo
Today · 4.125%
HK$24,358
baseline
▲ 0.50% · 4.625%
HK$25,642
+HK$1,284/mo
Deposit HK$3.04M · loan HK$4.55M · min. income ≈ HK$48,716/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,235
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,989
−HK$766/mo
Today · 4.125%
HK$25,755
baseline
▲ 0.50% · 4.625%
HK$27,322
+HK$1,567/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$51,510/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,961
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,684
−HK$734/mo
Today · 4.125%
HK$28,418
baseline
▲ 0.50% · 4.625%
HK$29,915
+HK$1,497/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$56,836/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,159
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,128
−HK$985/mo
Today · 4.125%
HK$33,113
baseline
▲ 0.50% · 4.625%
HK$35,128
+HK$2,015/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,226/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,664
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,594
−HK$943/mo
Today · 4.125%
HK$36,537
baseline
▲ 0.50% · 4.625%
HK$38,463
+HK$1,926/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,074/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,745 · 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).