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$17,282
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,819
−HK$546/mo
Today · 4.125%
HK$18,365
baseline
▲ 0.50% · 4.625%
HK$19,483
+HK$1,118/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,730/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,226
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,741
−HK$523/mo
Today · 4.125%
HK$20,264
baseline
▲ 0.50% · 4.625%
HK$21,333
+HK$1,069/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,528/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,738
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,383
−HK$655/mo
Today · 4.125%
HK$22,038
baseline
▲ 0.50% · 4.625%
HK$23,379
+HK$1,341/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,076/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,071
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,690
−HK$627/mo
Today · 4.125%
HK$24,317
baseline
▲ 0.50% · 4.625%
HK$25,599
+HK$1,282/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,634/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,194
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,947
−HK$765/mo
Today · 4.125%
HK$25,712
baseline
▲ 0.50% · 4.625%
HK$27,276
+HK$1,564/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$51,424/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,916
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,638
−HK$732/mo
Today · 4.125%
HK$28,370
baseline
▲ 0.50% · 4.625%
HK$29,866
+HK$1,496/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$56,740/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,107
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,075
−HK$983/mo
Today · 4.125%
HK$33,058
baseline
▲ 0.50% · 4.625%
HK$35,069
+HK$2,011/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$66,116/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,606
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,534
−HK$942/mo
Today · 4.125%
HK$36,476
baseline
▲ 0.50% · 4.625%
HK$38,399
+HK$1,923/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$72,952/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,365 · 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).