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$17,333
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,872
−HK$548/mo
Today · 4.125%
HK$18,420
baseline
▲ 0.50% · 4.625%
HK$19,540
+HK$1,120/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,840/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,282
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,800
−HK$524/mo
Today · 4.125%
HK$20,324
baseline
▲ 0.50% · 4.625%
HK$21,395
+HK$1,071/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,648/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,799
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,446
−HK$657/mo
Today · 4.125%
HK$22,103
baseline
▲ 0.50% · 4.625%
HK$23,448
+HK$1,345/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,206/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,139
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,759
−HK$630/mo
Today · 4.125%
HK$24,389
baseline
▲ 0.50% · 4.625%
HK$25,675
+HK$1,286/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,778/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,266
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,021
−HK$766/mo
Today · 4.125%
HK$25,787
baseline
▲ 0.50% · 4.625%
HK$27,356
+HK$1,569/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,574/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,995
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,719
−HK$735/mo
Today · 4.125%
HK$28,454
baseline
▲ 0.50% · 4.625%
HK$29,954
+HK$1,500/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,908/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,199
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,169
−HK$986/mo
Today · 4.125%
HK$33,155
baseline
▲ 0.50% · 4.625%
HK$35,173
+HK$2,018/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,310/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,708
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,639
−HK$945/mo
Today · 4.125%
HK$36,584
baseline
▲ 0.50% · 4.625%
HK$38,512
+HK$1,928/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,168/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,036 · 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).