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$17,420
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,962
−HK$550/mo
Today · 4.125%
HK$18,512
baseline
▲ 0.50% · 4.625%
HK$19,639
+HK$1,127/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,024/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,379
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,899
−HK$527/mo
Today · 4.125%
HK$20,426
baseline
▲ 0.50% · 4.625%
HK$21,503
+HK$1,077/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,852/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,904
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,554
−HK$661/mo
Today · 4.125%
HK$22,215
baseline
▲ 0.50% · 4.625%
HK$23,566
+HK$1,351/mo
Deposit HK$3.06M · loan HK$4.58M · min. income ≈ HK$44,430/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,255
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,879
−HK$633/mo
Today · 4.125%
HK$24,512
baseline
▲ 0.50% · 4.625%
HK$25,804
+HK$1,292/mo
Deposit HK$3.06M · loan HK$4.58M · min. income ≈ HK$49,024/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,388
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,146
−HK$771/mo
Today · 4.125%
HK$25,917
baseline
▲ 0.50% · 4.625%
HK$27,494
+HK$1,577/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,834/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,131
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,859
−HK$738/mo
Today · 4.125%
HK$28,597
baseline
▲ 0.50% · 4.625%
HK$30,104
+HK$1,507/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,194/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,356
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,331
−HK$991/mo
Today · 4.125%
HK$33,322
baseline
▲ 0.50% · 4.625%
HK$35,350
+HK$2,028/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$66,644/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,883
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,819
−HK$949/mo
Today · 4.125%
HK$36,768
baseline
▲ 0.50% · 4.625%
HK$38,706
+HK$1,938/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$73,536/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,184 · 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).