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$16,999
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,528
−HK$537/mo
Today · 4.125%
HK$18,065
baseline
▲ 0.50% · 4.625%
HK$19,165
+HK$1,100/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,130/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,912
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,419
−HK$514/mo
Today · 4.125%
HK$19,933
baseline
▲ 0.50% · 4.625%
HK$20,984
+HK$1,051/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,866/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,399
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,034
−HK$644/mo
Today · 4.125%
HK$21,678
baseline
▲ 0.50% · 4.625%
HK$22,998
+HK$1,320/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,356/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,694
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,303
−HK$617/mo
Today · 4.125%
HK$23,920
baseline
▲ 0.50% · 4.625%
HK$25,181
+HK$1,261/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,840/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,799
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,539
−HK$753/mo
Today · 4.125%
HK$25,292
baseline
▲ 0.50% · 4.625%
HK$26,830
+HK$1,538/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,584/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,476
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,186
−HK$721/mo
Today · 4.125%
HK$27,907
baseline
▲ 0.50% · 4.625%
HK$29,378
+HK$1,471/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,814/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,599
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,551
−HK$967/mo
Today · 4.125%
HK$32,518
baseline
▲ 0.50% · 4.625%
HK$34,496
+HK$1,978/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$65,036/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,041
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,954
−HK$926/mo
Today · 4.125%
HK$35,880
baseline
▲ 0.50% · 4.625%
HK$37,771
+HK$1,891/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$71,760/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,651 · 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).