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$17,426
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,968
−HK$551/mo
Today · 4.125%
HK$18,519
baseline
▲ 0.50% · 4.625%
HK$19,646
+HK$1,127/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,038/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,387
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,907
−HK$527/mo
Today · 4.125%
HK$20,434
baseline
▲ 0.50% · 4.625%
HK$21,511
+HK$1,077/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,868/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,912
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,562
−HK$661/mo
Today · 4.125%
HK$22,223
baseline
▲ 0.50% · 4.625%
HK$23,575
+HK$1,352/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,446/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,264
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,888
−HK$633/mo
Today · 4.125%
HK$24,521
baseline
▲ 0.50% · 4.625%
HK$25,813
+HK$1,292/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,042/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,397
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,156
−HK$771/mo
Today · 4.125%
HK$25,927
baseline
▲ 0.50% · 4.625%
HK$27,504
+HK$1,577/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,854/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,141
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,869
−HK$739/mo
Today · 4.125%
HK$28,608
baseline
▲ 0.50% · 4.625%
HK$30,116
+HK$1,508/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,216/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,367
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,343
−HK$991/mo
Today · 4.125%
HK$33,334
baseline
▲ 0.50% · 4.625%
HK$35,363
+HK$2,029/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$66,668/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,896
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,832
−HK$949/mo
Today · 4.125%
HK$36,781
baseline
▲ 0.50% · 4.625%
HK$38,720
+HK$1,939/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$73,562/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,268 · 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).