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$17,302
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,840
−HK$547/mo
Today · 4.125%
HK$18,387
baseline
▲ 0.50% · 4.625%
HK$19,506
+HK$1,119/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,774/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,248
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,764
−HK$524/mo
Today · 4.125%
HK$20,288
baseline
▲ 0.50% · 4.625%
HK$21,358
+HK$1,070/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,576/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,762
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,408
−HK$656/mo
Today · 4.125%
HK$22,064
baseline
▲ 0.50% · 4.625%
HK$23,407
+HK$1,343/mo
Deposit HK$3.04M · loan HK$4.55M · min. income ≈ HK$44,128/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,098
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,717
−HK$629/mo
Today · 4.125%
HK$24,346
baseline
▲ 0.50% · 4.625%
HK$25,629
+HK$1,283/mo
Deposit HK$3.04M · loan HK$4.55M · min. income ≈ HK$48,692/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,223
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,976
−HK$766/mo
Today · 4.125%
HK$25,742
baseline
▲ 0.50% · 4.625%
HK$27,308
+HK$1,566/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$51,484/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,948
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,670
−HK$733/mo
Today · 4.125%
HK$28,403
baseline
▲ 0.50% · 4.625%
HK$29,901
+HK$1,498/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$56,806/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,144
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,112
−HK$984/mo
Today · 4.125%
HK$33,096
baseline
▲ 0.50% · 4.625%
HK$35,110
+HK$2,014/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,192/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,647
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,576
−HK$943/mo
Today · 4.125%
HK$36,519
baseline
▲ 0.50% · 4.625%
HK$38,444
+HK$1,925/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,038/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,632 · 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).