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$17,551
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,097
−HK$554/mo
Today · 4.125%
HK$18,651
baseline
▲ 0.50% · 4.625%
HK$19,786
+HK$1,135/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,302/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,525
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,049
−HK$531/mo
Today · 4.125%
HK$20,580
baseline
▲ 0.50% · 4.625%
HK$21,665
+HK$1,085/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,160/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,061
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,716
−HK$665/mo
Today · 4.125%
HK$22,381
baseline
▲ 0.50% · 4.625%
HK$23,743
+HK$1,362/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,762/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,430
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,058
−HK$638/mo
Today · 4.125%
HK$24,696
baseline
▲ 0.50% · 4.625%
HK$25,997
+HK$1,301/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,392/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,571
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,335
−HK$777/mo
Today · 4.125%
HK$26,112
baseline
▲ 0.50% · 4.625%
HK$27,700
+HK$1,588/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,224/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,335
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,068
−HK$744/mo
Today · 4.125%
HK$28,812
baseline
▲ 0.50% · 4.625%
HK$30,330
+HK$1,518/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,624/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,591
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,574
−HK$998/mo
Today · 4.125%
HK$33,572
baseline
▲ 0.50% · 4.625%
HK$35,615
+HK$2,043/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$67,144/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,145
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,087
−HK$957/mo
Today · 4.125%
HK$37,044
baseline
▲ 0.50% · 4.625%
HK$38,996
+HK$1,952/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$74,088/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,904 · 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).