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$17,528
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,073
−HK$554/mo
Today · 4.125%
HK$18,627
baseline
▲ 0.50% · 4.625%
HK$19,760
+HK$1,133/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,254/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,500
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,022
−HK$531/mo
Today · 4.125%
HK$20,553
baseline
▲ 0.50% · 4.625%
HK$21,636
+HK$1,083/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,106/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,033
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,688
−HK$664/mo
Today · 4.125%
HK$22,352
baseline
▲ 0.50% · 4.625%
HK$23,712
+HK$1,360/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,704/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,399
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,027
−HK$637/mo
Today · 4.125%
HK$24,664
baseline
▲ 0.50% · 4.625%
HK$25,964
+HK$1,300/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,328/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,539
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,302
−HK$776/mo
Today · 4.125%
HK$26,078
baseline
▲ 0.50% · 4.625%
HK$27,665
+HK$1,587/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$52,156/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,299
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,031
−HK$743/mo
Today · 4.125%
HK$28,774
baseline
▲ 0.50% · 4.625%
HK$30,291
+HK$1,517/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$57,548/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,550
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,531
−HK$998/mo
Today · 4.125%
HK$33,529
baseline
▲ 0.50% · 4.625%
HK$35,569
+HK$2,040/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$67,058/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,099
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,040
−HK$955/mo
Today · 4.125%
HK$36,995
baseline
▲ 0.50% · 4.625%
HK$38,945
+HK$1,950/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$73,990/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,604 · 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).