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$17,553
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,099
−HK$555/mo
Today · 4.125%
HK$18,654
baseline
▲ 0.50% · 4.625%
HK$19,789
+HK$1,135/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,308/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,527
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,051
−HK$531/mo
Today · 4.125%
HK$20,582
baseline
▲ 0.50% · 4.625%
HK$21,667
+HK$1,085/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,164/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,063
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,719
−HK$665/mo
Today · 4.125%
HK$22,384
baseline
▲ 0.50% · 4.625%
HK$23,746
+HK$1,362/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,768/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,433
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,061
−HK$638/mo
Today · 4.125%
HK$24,699
baseline
▲ 0.50% · 4.625%
HK$26,001
+HK$1,302/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,398/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,574
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,338
−HK$777/mo
Today · 4.125%
HK$26,115
baseline
▲ 0.50% · 4.625%
HK$27,704
+HK$1,589/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,230/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,338
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,072
−HK$743/mo
Today · 4.125%
HK$28,815
baseline
▲ 0.50% · 4.625%
HK$30,334
+HK$1,519/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,630/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,595
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,578
−HK$998/mo
Today · 4.125%
HK$33,576
baseline
▲ 0.50% · 4.625%
HK$35,620
+HK$2,044/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$67,152/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,149
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,092
−HK$956/mo
Today · 4.125%
HK$37,048
baseline
▲ 0.50% · 4.625%
HK$39,001
+HK$1,953/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$74,096/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,933 · 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).