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$17,438
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,980
−HK$551/mo
Today · 4.125%
HK$18,531
baseline
▲ 0.50% · 4.625%
HK$19,659
+HK$1,128/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,062/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,399
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,920
−HK$528/mo
Today · 4.125%
HK$20,448
baseline
▲ 0.50% · 4.625%
HK$21,525
+HK$1,077/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,896/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,925
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,576
−HK$662/mo
Today · 4.125%
HK$22,238
baseline
▲ 0.50% · 4.625%
HK$23,591
+HK$1,353/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,476/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,279
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,904
−HK$633/mo
Today · 4.125%
HK$24,537
baseline
▲ 0.50% · 4.625%
HK$25,830
+HK$1,293/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,074/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,413
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,172
−HK$772/mo
Today · 4.125%
HK$25,944
baseline
▲ 0.50% · 4.625%
HK$27,523
+HK$1,579/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,888/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,159
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,888
−HK$739/mo
Today · 4.125%
HK$28,627
baseline
▲ 0.50% · 4.625%
HK$30,136
+HK$1,509/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,254/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,388
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,365
−HK$992/mo
Today · 4.125%
HK$33,357
baseline
▲ 0.50% · 4.625%
HK$35,386
+HK$2,029/mo
Deposit HK$765K · loan HK$6.88M · min. income ≈ HK$66,714/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,919
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,856
−HK$950/mo
Today · 4.125%
HK$36,806
baseline
▲ 0.50% · 4.625%
HK$38,746
+HK$1,940/mo
Deposit HK$765K · loan HK$6.88M · min. income ≈ HK$73,612/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,421 · 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).