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$17,366
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,906
−HK$549/mo
Today · 4.125%
HK$18,455
baseline
▲ 0.50% · 4.625%
HK$19,577
+HK$1,122/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,910/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,319
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,837
−HK$526/mo
Today · 4.125%
HK$20,363
baseline
▲ 0.50% · 4.625%
HK$21,436
+HK$1,073/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,726/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,839
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,487
−HK$658/mo
Today · 4.125%
HK$22,145
baseline
▲ 0.50% · 4.625%
HK$23,493
+HK$1,348/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,290/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,183
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,805
−HK$630/mo
Today · 4.125%
HK$24,435
baseline
▲ 0.50% · 4.625%
HK$25,723
+HK$1,288/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,870/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,312
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,068
−HK$768/mo
Today · 4.125%
HK$25,836
baseline
▲ 0.50% · 4.625%
HK$27,408
+HK$1,572/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$51,672/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,047
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,772
−HK$736/mo
Today · 4.125%
HK$28,508
baseline
▲ 0.50% · 4.625%
HK$30,011
+HK$1,503/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$57,016/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,258
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,230
−HK$988/mo
Today · 4.125%
HK$33,218
baseline
▲ 0.50% · 4.625%
HK$35,239
+HK$2,021/mo
Deposit HK$762K · loan HK$6.85M · min. income ≈ HK$66,436/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,774
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,707
−HK$946/mo
Today · 4.125%
HK$36,653
baseline
▲ 0.50% · 4.625%
HK$38,585
+HK$1,932/mo
Deposit HK$762K · loan HK$6.85M · min. income ≈ HK$73,306/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,469 · 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).