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$16,879
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,404
−HK$533/mo
Today · 4.125%
HK$17,937
baseline
▲ 0.50% · 4.625%
HK$19,029
+HK$1,092/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,874/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,778
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,281
−HK$511/mo
Today · 4.125%
HK$19,792
baseline
▲ 0.50% · 4.625%
HK$20,835
+HK$1,043/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,584/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,255
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,885
−HK$640/mo
Today · 4.125%
HK$21,525
baseline
▲ 0.50% · 4.625%
HK$22,835
+HK$1,310/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,050/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,533
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,137
−HK$614/mo
Today · 4.125%
HK$23,751
baseline
▲ 0.50% · 4.625%
HK$25,002
+HK$1,251/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,502/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,630
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,366
−HK$746/mo
Today · 4.125%
HK$25,112
baseline
▲ 0.50% · 4.625%
HK$26,640
+HK$1,528/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,224/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,289
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,994
−HK$715/mo
Today · 4.125%
HK$27,709
baseline
▲ 0.50% · 4.625%
HK$29,170
+HK$1,461/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,418/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,382
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,327
−HK$960/mo
Today · 4.125%
HK$32,287
baseline
▲ 0.50% · 4.625%
HK$34,252
+HK$1,965/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,574/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$222,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,800
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,706
−HK$920/mo
Today · 4.125%
HK$35,626
baseline
▲ 0.50% · 4.625%
HK$37,504
+HK$1,878/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,252/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$222,067 · 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).