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$16,952
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,479
−HK$536/mo
Today · 4.125%
HK$18,015
baseline
▲ 0.50% · 4.625%
HK$19,111
+HK$1,096/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,030/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,858
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,364
−HK$513/mo
Today · 4.125%
HK$19,877
baseline
▲ 0.50% · 4.625%
HK$20,925
+HK$1,048/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,754/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,342
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,975
−HK$642/mo
Today · 4.125%
HK$21,617
baseline
▲ 0.50% · 4.625%
HK$22,933
+HK$1,316/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,234/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,630
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,237
−HK$616/mo
Today · 4.125%
HK$23,853
baseline
▲ 0.50% · 4.625%
HK$25,110
+HK$1,257/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,706/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,732
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,470
−HK$750/mo
Today · 4.125%
HK$25,220
baseline
▲ 0.50% · 4.625%
HK$26,755
+HK$1,535/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,440/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,402
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,110
−HK$718/mo
Today · 4.125%
HK$27,828
baseline
▲ 0.50% · 4.625%
HK$29,295
+HK$1,467/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,656/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,513
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,462
−HK$964/mo
Today · 4.125%
HK$32,426
baseline
▲ 0.50% · 4.625%
HK$34,399
+HK$1,973/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$64,852/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$223,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,945
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,856
−HK$923/mo
Today · 4.125%
HK$35,779
baseline
▲ 0.50% · 4.625%
HK$37,665
+HK$1,886/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$71,558/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$223,022 · 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).