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$17,045
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,576
−HK$538/mo
Today · 4.125%
HK$18,114
baseline
▲ 0.50% · 4.625%
HK$19,216
+HK$1,102/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,228/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,963
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,471
−HK$516/mo
Today · 4.125%
HK$19,987
baseline
▲ 0.50% · 4.625%
HK$21,041
+HK$1,054/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$39,974/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,454
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,091
−HK$646/mo
Today · 4.125%
HK$21,737
baseline
▲ 0.50% · 4.625%
HK$23,060
+HK$1,323/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,474/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,755
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,366
−HK$619/mo
Today · 4.125%
HK$23,985
baseline
▲ 0.50% · 4.625%
HK$25,249
+HK$1,264/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$47,970/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,863
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,606
−HK$754/mo
Today · 4.125%
HK$25,360
baseline
▲ 0.50% · 4.625%
HK$26,903
+HK$1,543/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,720/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,548
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,260
−HK$722/mo
Today · 4.125%
HK$27,982
baseline
▲ 0.50% · 4.625%
HK$29,457
+HK$1,475/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,964/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,682
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,636
−HK$970/mo
Today · 4.125%
HK$32,606
baseline
▲ 0.50% · 4.625%
HK$34,590
+HK$1,984/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$65,212/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,133
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,048
−HK$929/mo
Today · 4.125%
HK$35,977
baseline
▲ 0.50% · 4.625%
HK$37,873
+HK$1,896/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$71,954/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,256 · 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).