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$17,534
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,080
−HK$554/mo
Today · 4.125%
HK$18,634
baseline
▲ 0.50% · 4.625%
HK$19,768
+HK$1,134/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,268/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,507
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,030
−HK$531/mo
Today · 4.125%
HK$20,561
baseline
▲ 0.50% · 4.625%
HK$21,644
+HK$1,083/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,122/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,041
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,696
−HK$665/mo
Today · 4.125%
HK$22,361
baseline
▲ 0.50% · 4.625%
HK$23,721
+HK$1,360/mo
Deposit HK$3.08M · loan HK$4.61M · min. income ≈ HK$44,722/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,408
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,036
−HK$637/mo
Today · 4.125%
HK$24,673
baseline
▲ 0.50% · 4.625%
HK$25,973
+HK$1,300/mo
Deposit HK$3.08M · loan HK$4.61M · min. income ≈ HK$49,346/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,548
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,312
−HK$775/mo
Today · 4.125%
HK$26,087
baseline
▲ 0.50% · 4.625%
HK$27,675
+HK$1,588/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$52,174/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,309
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,042
−HK$743/mo
Today · 4.125%
HK$28,785
baseline
▲ 0.50% · 4.625%
HK$30,302
+HK$1,517/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$57,570/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,562
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,543
−HK$998/mo
Today · 4.125%
HK$33,541
baseline
▲ 0.50% · 4.625%
HK$35,582
+HK$2,041/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$67,082/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$230,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,112
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,054
−HK$955/mo
Today · 4.125%
HK$37,009
baseline
▲ 0.50% · 4.625%
HK$38,960
+HK$1,951/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$74,018/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$230,688 · 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).