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$17,501
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,045
−HK$553/mo
Today · 4.125%
HK$18,598
baseline
▲ 0.50% · 4.625%
HK$19,730
+HK$1,132/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,196/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,470
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,992
−HK$529/mo
Today · 4.125%
HK$20,521
baseline
▲ 0.50% · 4.625%
HK$21,603
+HK$1,082/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,042/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,001
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,654
−HK$664/mo
Today · 4.125%
HK$22,318
baseline
▲ 0.50% · 4.625%
HK$23,676
+HK$1,358/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,636/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,363
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$23,990
−HK$636/mo
Today · 4.125%
HK$24,626
baseline
▲ 0.50% · 4.625%
HK$25,924
+HK$1,298/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,252/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,501
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,263
−HK$775/mo
Today · 4.125%
HK$26,038
baseline
▲ 0.50% · 4.625%
HK$27,622
+HK$1,584/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,076/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,257
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,988
−HK$742/mo
Today · 4.125%
HK$28,730
baseline
▲ 0.50% · 4.625%
HK$30,244
+HK$1,514/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,460/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,502
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,481
−HK$996/mo
Today · 4.125%
HK$33,477
baseline
▲ 0.50% · 4.625%
HK$35,514
+HK$2,037/mo
Deposit HK$767K · loan HK$6.91M · min. income ≈ HK$66,954/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,045
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,985
−HK$954/mo
Today · 4.125%
HK$36,939
baseline
▲ 0.50% · 4.625%
HK$38,886
+HK$1,947/mo
Deposit HK$767K · loan HK$6.91M · min. income ≈ HK$73,878/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,249 · 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).