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$17,263
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,800
−HK$545/mo
Today · 4.125%
HK$18,345
baseline
▲ 0.50% · 4.625%
HK$19,462
+HK$1,117/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,690/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,205
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,720
−HK$522/mo
Today · 4.125%
HK$20,242
baseline
▲ 0.50% · 4.625%
HK$21,309
+HK$1,067/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,484/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,715
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,360
−HK$654/mo
Today · 4.125%
HK$22,014
baseline
▲ 0.50% · 4.625%
HK$23,354
+HK$1,340/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$44,028/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,046
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,664
−HK$627/mo
Today · 4.125%
HK$24,291
baseline
▲ 0.50% · 4.625%
HK$25,571
+HK$1,280/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,582/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,168
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,920
−HK$764/mo
Today · 4.125%
HK$25,684
baseline
▲ 0.50% · 4.625%
HK$27,246
+HK$1,562/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,368/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,887
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,608
−HK$731/mo
Today · 4.125%
HK$28,339
baseline
▲ 0.50% · 4.625%
HK$29,833
+HK$1,494/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,678/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,073
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,040
−HK$982/mo
Today · 4.125%
HK$33,022
baseline
▲ 0.50% · 4.625%
HK$35,031
+HK$2,009/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$66,044/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,569
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,496
−HK$940/mo
Today · 4.125%
HK$36,436
baseline
▲ 0.50% · 4.625%
HK$38,357
+HK$1,921/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$72,872/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,118 · 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).