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$17,398
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,940
−HK$550/mo
Today · 4.125%
HK$18,490
baseline
▲ 0.50% · 4.625%
HK$19,615
+HK$1,125/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$36,980/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,356
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,875
−HK$526/mo
Today · 4.125%
HK$20,401
baseline
▲ 0.50% · 4.625%
HK$21,477
+HK$1,076/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,802/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,878
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,528
−HK$659/mo
Today · 4.125%
HK$22,187
baseline
▲ 0.50% · 4.625%
HK$23,537
+HK$1,350/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,374/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,227
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,850
−HK$632/mo
Today · 4.125%
HK$24,482
baseline
▲ 0.50% · 4.625%
HK$25,772
+HK$1,290/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,964/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,358
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,116
−HK$769/mo
Today · 4.125%
HK$25,885
baseline
▲ 0.50% · 4.625%
HK$27,460
+HK$1,575/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,770/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,098
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,825
−HK$737/mo
Today · 4.125%
HK$28,562
baseline
▲ 0.50% · 4.625%
HK$30,067
+HK$1,505/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,124/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,317
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,291
−HK$990/mo
Today · 4.125%
HK$33,281
baseline
▲ 0.50% · 4.625%
HK$35,306
+HK$2,025/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$66,562/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,840
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,775
−HK$947/mo
Today · 4.125%
HK$36,722
baseline
▲ 0.50% · 4.625%
HK$38,658
+HK$1,936/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$73,444/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,902 · 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).