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$17,396
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,937
−HK$550/mo
Today · 4.125%
HK$18,487
baseline
▲ 0.50% · 4.625%
HK$19,612
+HK$1,125/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,974/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,353
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,872
−HK$526/mo
Today · 4.125%
HK$20,398
baseline
▲ 0.50% · 4.625%
HK$21,473
+HK$1,075/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,796/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,875
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,524
−HK$660/mo
Today · 4.125%
HK$22,184
baseline
▲ 0.50% · 4.625%
HK$23,534
+HK$1,350/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,368/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,223
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,846
−HK$632/mo
Today · 4.125%
HK$24,478
baseline
▲ 0.50% · 4.625%
HK$25,768
+HK$1,290/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,956/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,354
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,112
−HK$769/mo
Today · 4.125%
HK$25,881
baseline
▲ 0.50% · 4.625%
HK$27,456
+HK$1,575/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,762/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,094
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,820
−HK$737/mo
Today · 4.125%
HK$28,557
baseline
▲ 0.50% · 4.625%
HK$30,063
+HK$1,506/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,114/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,312
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,286
−HK$990/mo
Today · 4.125%
HK$33,276
baseline
▲ 0.50% · 4.625%
HK$35,301
+HK$2,025/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$66,552/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,835
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,769
−HK$948/mo
Today · 4.125%
HK$36,717
baseline
▲ 0.50% · 4.625%
HK$38,652
+HK$1,935/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$73,434/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,867 · 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).