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$17,452
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$17,995
−HK$552/mo
Today · 4.125%
HK$18,547
baseline
▲ 0.50% · 4.625%
HK$19,675
+HK$1,128/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,094/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,415
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,936
−HK$528/mo
Today · 4.125%
HK$20,464
baseline
▲ 0.50% · 4.625%
HK$21,543
+HK$1,079/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,928/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,943
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,594
−HK$662/mo
Today · 4.125%
HK$22,256
baseline
▲ 0.50% · 4.625%
HK$23,610
+HK$1,354/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,512/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,299
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,923
−HK$634/mo
Today · 4.125%
HK$24,557
baseline
▲ 0.50% · 4.625%
HK$25,852
+HK$1,295/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,114/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,433
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,193
−HK$772/mo
Today · 4.125%
HK$25,965
baseline
▲ 0.50% · 4.625%
HK$27,545
+HK$1,580/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,930/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,182
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,911
−HK$739/mo
Today · 4.125%
HK$28,650
baseline
▲ 0.50% · 4.625%
HK$30,160
+HK$1,510/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,300/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,414
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,391
−HK$993/mo
Today · 4.125%
HK$33,384
baseline
▲ 0.50% · 4.625%
HK$35,415
+HK$2,031/mo
Deposit HK$765K · loan HK$6.89M · min. income ≈ HK$66,768/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,948
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,885
−HK$951/mo
Today · 4.125%
HK$36,836
baseline
▲ 0.50% · 4.625%
HK$38,778
+HK$1,942/mo
Deposit HK$765K · loan HK$6.89M · min. income ≈ HK$73,672/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,610 · 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).