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$17,581
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,128
−HK$555/mo
Today · 4.125%
HK$18,683
baseline
▲ 0.50% · 4.625%
HK$19,820
+HK$1,137/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,366/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,558
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,083
−HK$532/mo
Today · 4.125%
HK$20,615
baseline
▲ 0.50% · 4.625%
HK$21,702
+HK$1,087/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,230/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,097
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,753
−HK$667/mo
Today · 4.125%
HK$22,420
baseline
▲ 0.50% · 4.625%
HK$23,784
+HK$1,364/mo
Deposit HK$3.08M · loan HK$4.63M · min. income ≈ HK$44,840/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,470
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,100
−HK$638/mo
Today · 4.125%
HK$24,738
baseline
▲ 0.50% · 4.625%
HK$26,042
+HK$1,304/mo
Deposit HK$3.08M · loan HK$4.63M · min. income ≈ HK$49,476/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,613
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,379
−HK$778/mo
Today · 4.125%
HK$26,157
baseline
▲ 0.50% · 4.625%
HK$27,748
+HK$1,591/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$52,314/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,382
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,116
−HK$745/mo
Today · 4.125%
HK$28,861
baseline
▲ 0.50% · 4.625%
HK$30,383
+HK$1,522/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$57,722/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,645
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,630
−HK$1,000/mo
Today · 4.125%
HK$33,630
baseline
▲ 0.50% · 4.625%
HK$35,676
+HK$2,046/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$67,260/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,205
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,149
−HK$958/mo
Today · 4.125%
HK$37,107
baseline
▲ 0.50% · 4.625%
HK$39,063
+HK$1,956/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$74,214/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,301 · 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).