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$17,532
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,077
−HK$554/mo
Today · 4.125%
HK$18,631
baseline
▲ 0.50% · 4.625%
HK$19,765
+HK$1,134/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,262/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,504
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,027
−HK$531/mo
Today · 4.125%
HK$20,558
baseline
▲ 0.50% · 4.625%
HK$21,642
+HK$1,084/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,116/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,038
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,693
−HK$665/mo
Today · 4.125%
HK$22,358
baseline
▲ 0.50% · 4.625%
HK$23,718
+HK$1,360/mo
Deposit HK$3.08M · loan HK$4.61M · min. income ≈ HK$44,716/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,405
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,033
−HK$637/mo
Today · 4.125%
HK$24,670
baseline
▲ 0.50% · 4.625%
HK$25,970
+HK$1,300/mo
Deposit HK$3.08M · loan HK$4.61M · min. income ≈ HK$49,340/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,545
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,308
−HK$776/mo
Today · 4.125%
HK$26,084
baseline
▲ 0.50% · 4.625%
HK$27,671
+HK$1,587/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$52,168/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,306
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,038
−HK$743/mo
Today · 4.125%
HK$28,781
baseline
▲ 0.50% · 4.625%
HK$30,298
+HK$1,517/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$57,562/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,558
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,539
−HK$998/mo
Today · 4.125%
HK$33,537
baseline
▲ 0.50% · 4.625%
HK$35,577
+HK$2,040/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$67,074/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$230,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,108
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,049
−HK$955/mo
Today · 4.125%
HK$37,004
baseline
▲ 0.50% · 4.625%
HK$38,955
+HK$1,951/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$74,008/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$230,659 · 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).