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$17,292
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,830
−HK$546/mo
Today · 4.125%
HK$18,376
baseline
▲ 0.50% · 4.625%
HK$19,494
+HK$1,118/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,752/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,237
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,753
−HK$523/mo
Today · 4.125%
HK$20,276
baseline
▲ 0.50% · 4.625%
HK$21,345
+HK$1,069/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,552/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,750
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,396
−HK$655/mo
Today · 4.125%
HK$22,051
baseline
▲ 0.50% · 4.625%
HK$23,393
+HK$1,342/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,102/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,084
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,703
−HK$628/mo
Today · 4.125%
HK$24,331
baseline
▲ 0.50% · 4.625%
HK$25,614
+HK$1,283/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,662/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,208
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,961
−HK$766/mo
Today · 4.125%
HK$25,727
baseline
▲ 0.50% · 4.625%
HK$27,292
+HK$1,565/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$51,454/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,932
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,654
−HK$733/mo
Today · 4.125%
HK$28,387
baseline
▲ 0.50% · 4.625%
HK$29,883
+HK$1,496/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$56,774/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,125
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,093
−HK$984/mo
Today · 4.125%
HK$33,077
baseline
▲ 0.50% · 4.625%
HK$35,090
+HK$2,013/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$66,154/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,626
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,555
−HK$942/mo
Today · 4.125%
HK$36,497
baseline
▲ 0.50% · 4.625%
HK$38,421
+HK$1,924/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$72,994/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,498 · 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).