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$17,531
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,076
−HK$554/mo
Today · 4.125%
HK$18,630
baseline
▲ 0.50% · 4.625%
HK$19,764
+HK$1,134/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,260/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,503
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,026
−HK$531/mo
Today · 4.125%
HK$20,557
baseline
▲ 0.50% · 4.625%
HK$21,640
+HK$1,083/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,114/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,037
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,691
−HK$665/mo
Today · 4.125%
HK$22,356
baseline
▲ 0.50% · 4.625%
HK$23,717
+HK$1,361/mo
Deposit HK$3.08M · loan HK$4.61M · min. income ≈ HK$44,712/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,404
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,031
−HK$637/mo
Today · 4.125%
HK$24,668
baseline
▲ 0.50% · 4.625%
HK$25,968
+HK$1,300/mo
Deposit HK$3.08M · loan HK$4.61M · min. income ≈ HK$49,336/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,543
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,307
−HK$775/mo
Today · 4.125%
HK$26,082
baseline
▲ 0.50% · 4.625%
HK$27,669
+HK$1,587/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$52,164/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,304
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,036
−HK$743/mo
Today · 4.125%
HK$28,779
baseline
▲ 0.50% · 4.625%
HK$30,296
+HK$1,517/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$57,558/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,556
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,537
−HK$997/mo
Today · 4.125%
HK$33,534
baseline
▲ 0.50% · 4.625%
HK$35,575
+HK$2,041/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$67,068/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,105
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,047
−HK$955/mo
Today · 4.125%
HK$37,002
baseline
▲ 0.50% · 4.625%
HK$38,952
+HK$1,950/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$74,004/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,644 · 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).