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$17,176
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,710
−HK$543/mo
Today · 4.125%
HK$18,253
baseline
▲ 0.50% · 4.625%
HK$19,364
+HK$1,111/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,506/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,108
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,620
−HK$520/mo
Today · 4.125%
HK$20,140
baseline
▲ 0.50% · 4.625%
HK$21,202
+HK$1,062/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,280/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,611
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,252
−HK$652/mo
Today · 4.125%
HK$21,904
baseline
▲ 0.50% · 4.625%
HK$23,236
+HK$1,332/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,808/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,930
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,545
−HK$623/mo
Today · 4.125%
HK$24,168
baseline
▲ 0.50% · 4.625%
HK$25,442
+HK$1,274/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,336/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,046
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,794
−HK$760/mo
Today · 4.125%
HK$25,554
baseline
▲ 0.50% · 4.625%
HK$27,109
+HK$1,555/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,108/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$225,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,751
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,469
−HK$727/mo
Today · 4.125%
HK$28,196
baseline
▲ 0.50% · 4.625%
HK$29,683
+HK$1,487/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,392/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$225,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,917
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,878
−HK$977/mo
Today · 4.125%
HK$32,855
baseline
▲ 0.50% · 4.625%
HK$34,854
+HK$1,999/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$65,710/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,394
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,317
−HK$936/mo
Today · 4.125%
HK$36,253
baseline
▲ 0.50% · 4.625%
HK$38,164
+HK$1,911/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$72,506/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,973 · 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).