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$17,336
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,876
−HK$547/mo
Today · 4.125%
HK$18,423
baseline
▲ 0.50% · 4.625%
HK$19,544
+HK$1,121/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,846/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,286
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,804
−HK$524/mo
Today · 4.125%
HK$20,328
baseline
▲ 0.50% · 4.625%
HK$21,400
+HK$1,072/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,656/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,804
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,451
−HK$657/mo
Today · 4.125%
HK$22,108
baseline
▲ 0.50% · 4.625%
HK$23,453
+HK$1,345/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,216/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,144
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,764
−HK$630/mo
Today · 4.125%
HK$24,394
baseline
▲ 0.50% · 4.625%
HK$25,680
+HK$1,286/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,788/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,271
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,026
−HK$767/mo
Today · 4.125%
HK$25,793
baseline
▲ 0.50% · 4.625%
HK$27,362
+HK$1,569/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,586/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,001
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,725
−HK$735/mo
Today · 4.125%
HK$28,460
baseline
▲ 0.50% · 4.625%
HK$29,960
+HK$1,500/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,920/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,205
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,176
−HK$986/mo
Today · 4.125%
HK$33,162
baseline
▲ 0.50% · 4.625%
HK$35,180
+HK$2,018/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,324/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,716
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,647
−HK$944/mo
Today · 4.125%
HK$36,591
baseline
▲ 0.50% · 4.625%
HK$38,520
+HK$1,929/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,182/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,084 · 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).