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$16,979
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,507
−HK$537/mo
Today · 4.125%
HK$18,044
baseline
▲ 0.50% · 4.625%
HK$19,142
+HK$1,098/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,088/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,889
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,396
−HK$513/mo
Today · 4.125%
HK$19,909
baseline
▲ 0.50% · 4.625%
HK$20,959
+HK$1,050/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,818/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,375
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$21,009
−HK$643/mo
Today · 4.125%
HK$21,652
baseline
▲ 0.50% · 4.625%
HK$22,970
+HK$1,318/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,304/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,667
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,275
−HK$616/mo
Today · 4.125%
HK$23,891
baseline
▲ 0.50% · 4.625%
HK$25,151
+HK$1,260/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,782/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,771
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,510
−HK$751/mo
Today · 4.125%
HK$25,261
baseline
▲ 0.50% · 4.625%
HK$26,798
+HK$1,537/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,522/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,444
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,154
−HK$719/mo
Today · 4.125%
HK$27,873
baseline
▲ 0.50% · 4.625%
HK$29,342
+HK$1,469/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,746/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,562
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,513
−HK$966/mo
Today · 4.125%
HK$32,479
baseline
▲ 0.50% · 4.625%
HK$34,455
+HK$1,976/mo
Deposit HK$745K · loan HK$6.70M · min. income ≈ HK$64,958/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,000
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,912
−HK$925/mo
Today · 4.125%
HK$35,837
baseline
▲ 0.50% · 4.625%
HK$37,726
+HK$1,889/mo
Deposit HK$745K · loan HK$6.70M · min. income ≈ HK$71,674/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,383 · 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).