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$17,184
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,719
−HK$543/mo
Today · 4.125%
HK$18,262
baseline
▲ 0.50% · 4.625%
HK$19,373
+HK$1,111/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,524/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$226,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,117
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,630
−HK$520/mo
Today · 4.125%
HK$20,150
baseline
▲ 0.50% · 4.625%
HK$21,212
+HK$1,062/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,300/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$226,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,621
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,262
−HK$652/mo
Today · 4.125%
HK$21,914
baseline
▲ 0.50% · 4.625%
HK$23,247
+HK$1,333/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,828/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,941
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,556
−HK$624/mo
Today · 4.125%
HK$24,180
baseline
▲ 0.50% · 4.625%
HK$25,455
+HK$1,275/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,360/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,058
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,806
−HK$760/mo
Today · 4.125%
HK$25,566
baseline
▲ 0.50% · 4.625%
HK$27,122
+HK$1,556/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,132/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,764
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,482
−HK$728/mo
Today · 4.125%
HK$28,210
baseline
▲ 0.50% · 4.625%
HK$29,697
+HK$1,487/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,420/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,931
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,894
−HK$977/mo
Today · 4.125%
HK$32,871
baseline
▲ 0.50% · 4.625%
HK$34,871
+HK$2,000/mo
Deposit HK$754K · loan HK$6.78M · min. income ≈ HK$65,742/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,411
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,334
−HK$936/mo
Today · 4.125%
HK$36,270
baseline
▲ 0.50% · 4.625%
HK$38,182
+HK$1,912/mo
Deposit HK$754K · loan HK$6.78M · min. income ≈ HK$72,540/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,082 · 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).