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$17,382
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,922
−HK$550/mo
Today · 4.125%
HK$18,472
baseline
▲ 0.50% · 4.625%
HK$19,595
+HK$1,123/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,944/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,337
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,855
−HK$526/mo
Today · 4.125%
HK$20,381
baseline
▲ 0.50% · 4.625%
HK$21,456
+HK$1,075/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,762/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,858
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,507
−HK$659/mo
Today · 4.125%
HK$22,166
baseline
▲ 0.50% · 4.625%
HK$23,515
+HK$1,349/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,332/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,204
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,826
−HK$632/mo
Today · 4.125%
HK$24,458
baseline
▲ 0.50% · 4.625%
HK$25,747
+HK$1,289/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,916/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,334
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,091
−HK$769/mo
Today · 4.125%
HK$25,860
baseline
▲ 0.50% · 4.625%
HK$27,434
+HK$1,574/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,720/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,072
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,798
−HK$736/mo
Today · 4.125%
HK$28,534
baseline
▲ 0.50% · 4.625%
HK$30,038
+HK$1,504/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,068/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,287
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,260
−HK$989/mo
Today · 4.125%
HK$33,249
baseline
▲ 0.50% · 4.625%
HK$35,272
+HK$2,023/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$66,498/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,806
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,740
−HK$947/mo
Today · 4.125%
HK$36,687
baseline
▲ 0.50% · 4.625%
HK$38,621
+HK$1,934/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$73,374/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,679 · 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).