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$17,290
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,828
−HK$546/mo
Today · 4.125%
HK$18,374
baseline
▲ 0.50% · 4.625%
HK$19,492
+HK$1,118/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,748/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,235
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,751
−HK$523/mo
Today · 4.125%
HK$20,274
baseline
▲ 0.50% · 4.625%
HK$21,343
+HK$1,069/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,548/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,748
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,394
−HK$655/mo
Today · 4.125%
HK$22,049
baseline
▲ 0.50% · 4.625%
HK$23,391
+HK$1,342/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,098/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,082
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,701
−HK$628/mo
Today · 4.125%
HK$24,329
baseline
▲ 0.50% · 4.625%
HK$25,612
+HK$1,283/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,658/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,206
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,959
−HK$765/mo
Today · 4.125%
HK$25,724
baseline
▲ 0.50% · 4.625%
HK$27,289
+HK$1,565/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$51,448/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,929
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,651
−HK$733/mo
Today · 4.125%
HK$28,384
baseline
▲ 0.50% · 4.625%
HK$29,880
+HK$1,496/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$56,768/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,122
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,090
−HK$984/mo
Today · 4.125%
HK$33,074
baseline
▲ 0.50% · 4.625%
HK$35,086
+HK$2,012/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$66,148/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,623
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,552
−HK$942/mo
Today · 4.125%
HK$36,494
baseline
▲ 0.50% · 4.625%
HK$38,417
+HK$1,923/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$72,988/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,476 · 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).