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$17,317
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,855
−HK$548/mo
Today · 4.125%
HK$18,403
baseline
▲ 0.50% · 4.625%
HK$19,522
+HK$1,119/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,806/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,265
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,781
−HK$524/mo
Today · 4.125%
HK$20,305
baseline
▲ 0.50% · 4.625%
HK$21,376
+HK$1,071/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,610/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,780
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,426
−HK$657/mo
Today · 4.125%
HK$22,083
baseline
▲ 0.50% · 4.625%
HK$23,427
+HK$1,344/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,166/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,117
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,737
−HK$629/mo
Today · 4.125%
HK$24,366
baseline
▲ 0.50% · 4.625%
HK$25,651
+HK$1,285/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,732/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,243
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$24,997
−HK$767/mo
Today · 4.125%
HK$25,764
baseline
▲ 0.50% · 4.625%
HK$27,331
+HK$1,567/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,528/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,970
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,694
−HK$733/mo
Today · 4.125%
HK$28,427
baseline
▲ 0.50% · 4.625%
HK$29,926
+HK$1,499/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,854/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,170
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,139
−HK$986/mo
Today · 4.125%
HK$33,125
baseline
▲ 0.50% · 4.625%
HK$35,140
+HK$2,015/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,250/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,676
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,606
−HK$944/mo
Today · 4.125%
HK$36,550
baseline
▲ 0.50% · 4.625%
HK$38,476
+HK$1,926/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,100/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,825 · 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).