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$17,339
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,879
−HK$548/mo
Today · 4.125%
HK$18,427
baseline
▲ 0.50% · 4.625%
HK$19,548
+HK$1,121/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,854/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,290
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,807
−HK$525/mo
Today · 4.125%
HK$20,332
baseline
▲ 0.50% · 4.625%
HK$21,404
+HK$1,072/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,664/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,807
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,454
−HK$658/mo
Today · 4.125%
HK$22,112
baseline
▲ 0.50% · 4.625%
HK$23,457
+HK$1,345/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,224/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,148
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,769
−HK$629/mo
Today · 4.125%
HK$24,398
baseline
▲ 0.50% · 4.625%
HK$25,685
+HK$1,287/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,796/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,275
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,030
−HK$767/mo
Today · 4.125%
HK$25,797
baseline
▲ 0.50% · 4.625%
HK$27,367
+HK$1,570/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,594/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,006
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,730
−HK$735/mo
Today · 4.125%
HK$28,465
baseline
▲ 0.50% · 4.625%
HK$29,965
+HK$1,500/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,930/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,211
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,182
−HK$986/mo
Today · 4.125%
HK$33,168
baseline
▲ 0.50% · 4.625%
HK$35,186
+HK$2,018/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,336/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,722
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,653
−HK$945/mo
Today · 4.125%
HK$36,598
baseline
▲ 0.50% · 4.625%
HK$38,527
+HK$1,929/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,196/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,124 · 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).