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$17,331
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,870
−HK$548/mo
Today · 4.125%
HK$18,418
baseline
▲ 0.50% · 4.625%
HK$19,538
+HK$1,120/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,836/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,280
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,797
−HK$525/mo
Today · 4.125%
HK$20,322
baseline
▲ 0.50% · 4.625%
HK$21,393
+HK$1,071/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,644/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,797
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,444
−HK$657/mo
Today · 4.125%
HK$22,101
baseline
▲ 0.50% · 4.625%
HK$23,446
+HK$1,345/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,202/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,136
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,757
−HK$629/mo
Today · 4.125%
HK$24,386
baseline
▲ 0.50% · 4.625%
HK$25,672
+HK$1,286/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,772/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,263
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,018
−HK$767/mo
Today · 4.125%
HK$25,785
baseline
▲ 0.50% · 4.625%
HK$27,354
+HK$1,569/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,570/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,992
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,716
−HK$735/mo
Today · 4.125%
HK$28,451
baseline
▲ 0.50% · 4.625%
HK$29,950
+HK$1,499/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,902/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,195
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,166
−HK$986/mo
Today · 4.125%
HK$33,152
baseline
▲ 0.50% · 4.625%
HK$35,169
+HK$2,017/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,304/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,705
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,635
−HK$945/mo
Today · 4.125%
HK$36,580
baseline
▲ 0.50% · 4.625%
HK$38,508
+HK$1,928/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,160/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,012 · 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).