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$17,306
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,844
−HK$547/mo
Today · 4.125%
HK$18,391
baseline
▲ 0.50% · 4.625%
HK$19,510
+HK$1,119/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,782/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,253
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,769
−HK$524/mo
Today · 4.125%
HK$20,293
baseline
▲ 0.50% · 4.625%
HK$21,363
+HK$1,070/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,586/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,767
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,413
−HK$657/mo
Today · 4.125%
HK$22,070
baseline
▲ 0.50% · 4.625%
HK$23,413
+HK$1,343/mo
Deposit HK$3.04M · loan HK$4.55M · min. income ≈ HK$44,140/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,103
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,723
−HK$629/mo
Today · 4.125%
HK$24,352
baseline
▲ 0.50% · 4.625%
HK$25,635
+HK$1,283/mo
Deposit HK$3.04M · loan HK$4.55M · min. income ≈ HK$48,704/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,229
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,982
−HK$766/mo
Today · 4.125%
HK$25,748
baseline
▲ 0.50% · 4.625%
HK$27,315
+HK$1,567/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$51,496/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,954
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,677
−HK$733/mo
Today · 4.125%
HK$28,410
baseline
▲ 0.50% · 4.625%
HK$29,908
+HK$1,498/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$56,820/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,151
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,120
−HK$984/mo
Today · 4.125%
HK$33,104
baseline
▲ 0.50% · 4.625%
HK$35,119
+HK$2,015/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,208/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,655
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,585
−HK$943/mo
Today · 4.125%
HK$36,528
baseline
▲ 0.50% · 4.625%
HK$38,453
+HK$1,925/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,056/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,687 · 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).