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$17,031
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,560
−HK$539/mo
Today · 4.125%
HK$18,099
baseline
▲ 0.50% · 4.625%
HK$19,200
+HK$1,101/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,198/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,946
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,455
−HK$515/mo
Today · 4.125%
HK$19,970
baseline
▲ 0.50% · 4.625%
HK$21,023
+HK$1,053/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,940/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,437
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,072
−HK$646/mo
Today · 4.125%
HK$21,718
baseline
▲ 0.50% · 4.625%
HK$23,040
+HK$1,322/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,436/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,736
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,345
−HK$619/mo
Today · 4.125%
HK$23,964
baseline
▲ 0.50% · 4.625%
HK$25,227
+HK$1,263/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,928/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,843
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,585
−HK$753/mo
Today · 4.125%
HK$25,338
baseline
▲ 0.50% · 4.625%
HK$26,880
+HK$1,542/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,676/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$224,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,525
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,236
−HK$722/mo
Today · 4.125%
HK$27,958
baseline
▲ 0.50% · 4.625%
HK$29,432
+HK$1,474/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,916/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$224,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,655
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,609
−HK$969/mo
Today · 4.125%
HK$32,578
baseline
▲ 0.50% · 4.625%
HK$34,560
+HK$1,982/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$65,156/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,104
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,018
−HK$928/mo
Today · 4.125%
HK$35,946
baseline
▲ 0.50% · 4.625%
HK$37,841
+HK$1,895/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$71,892/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,063 · 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).