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$16,941
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,468
−HK$535/mo
Today · 4.125%
HK$18,003
baseline
▲ 0.50% · 4.625%
HK$19,099
+HK$1,096/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$36,006/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,847
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,352
−HK$513/mo
Today · 4.125%
HK$19,865
baseline
▲ 0.50% · 4.625%
HK$20,912
+HK$1,047/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,730/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,329
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,961
−HK$643/mo
Today · 4.125%
HK$21,604
baseline
▲ 0.50% · 4.625%
HK$22,918
+HK$1,314/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,208/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,616
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,222
−HK$616/mo
Today · 4.125%
HK$23,838
baseline
▲ 0.50% · 4.625%
HK$25,094
+HK$1,256/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,676/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,717
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,455
−HK$749/mo
Today · 4.125%
HK$25,204
baseline
▲ 0.50% · 4.625%
HK$26,738
+HK$1,534/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,408/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,385
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,093
−HK$718/mo
Today · 4.125%
HK$27,811
baseline
▲ 0.50% · 4.625%
HK$29,277
+HK$1,466/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,622/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,494
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,442
−HK$964/mo
Today · 4.125%
HK$32,406
baseline
▲ 0.50% · 4.625%
HK$34,378
+HK$1,972/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$64,812/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,924
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,834
−HK$923/mo
Today · 4.125%
HK$35,757
baseline
▲ 0.50% · 4.625%
HK$37,641
+HK$1,884/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$71,514/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,882 · 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).