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$16,858
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,383
−HK$533/mo
Today · 4.125%
HK$17,916
baseline
▲ 0.50% · 4.625%
HK$19,006
+HK$1,090/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,832/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,755
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,258
−HK$510/mo
Today · 4.125%
HK$19,768
baseline
▲ 0.50% · 4.625%
HK$20,810
+HK$1,042/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,536/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,230
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,859
−HK$640/mo
Today · 4.125%
HK$21,499
baseline
▲ 0.50% · 4.625%
HK$22,807
+HK$1,308/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$42,998/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,506
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,109
−HK$613/mo
Today · 4.125%
HK$23,722
baseline
▲ 0.50% · 4.625%
HK$24,972
+HK$1,250/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,444/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,602
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,336
−HK$746/mo
Today · 4.125%
HK$25,082
baseline
▲ 0.50% · 4.625%
HK$26,608
+HK$1,526/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,164/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,257
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,961
−HK$714/mo
Today · 4.125%
HK$27,675
baseline
▲ 0.50% · 4.625%
HK$29,134
+HK$1,459/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,350/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,345
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,289
−HK$959/mo
Today · 4.125%
HK$32,248
baseline
▲ 0.50% · 4.625%
HK$34,210
+HK$1,962/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,496/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,759
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,664
−HK$918/mo
Today · 4.125%
HK$35,582
baseline
▲ 0.50% · 4.625%
HK$37,458
+HK$1,876/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,164/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,796 · 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).