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$17,300
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,838
−HK$546/mo
Today · 4.125%
HK$18,384
baseline
▲ 0.50% · 4.625%
HK$19,503
+HK$1,119/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,768/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,246
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,762
−HK$523/mo
Today · 4.125%
HK$20,285
baseline
▲ 0.50% · 4.625%
HK$21,355
+HK$1,070/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,570/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,759
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,405
−HK$656/mo
Today · 4.125%
HK$22,061
baseline
▲ 0.50% · 4.625%
HK$23,404
+HK$1,343/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,122/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,095
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,714
−HK$628/mo
Today · 4.125%
HK$24,342
baseline
▲ 0.50% · 4.625%
HK$25,626
+HK$1,284/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,684/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,219
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,973
−HK$765/mo
Today · 4.125%
HK$25,738
baseline
▲ 0.50% · 4.625%
HK$27,304
+HK$1,566/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$51,476/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,944
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,666
−HK$733/mo
Today · 4.125%
HK$28,399
baseline
▲ 0.50% · 4.625%
HK$29,896
+HK$1,497/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$56,798/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,139
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,108
−HK$984/mo
Today · 4.125%
HK$33,092
baseline
▲ 0.50% · 4.625%
HK$35,105
+HK$2,013/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,184/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,642
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,571
−HK$943/mo
Today · 4.125%
HK$36,514
baseline
▲ 0.50% · 4.625%
HK$38,438
+HK$1,924/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,028/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,601 · 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).