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$16,872
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,397
−HK$533/mo
Today · 4.125%
HK$17,930
baseline
▲ 0.50% · 4.625%
HK$19,021
+HK$1,091/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,860/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,770
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,273
−HK$511/mo
Today · 4.125%
HK$19,784
baseline
▲ 0.50% · 4.625%
HK$20,827
+HK$1,043/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,568/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,246
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,876
−HK$640/mo
Today · 4.125%
HK$21,516
baseline
▲ 0.50% · 4.625%
HK$22,825
+HK$1,309/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,032/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,524
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,128
−HK$613/mo
Today · 4.125%
HK$23,741
baseline
▲ 0.50% · 4.625%
HK$24,992
+HK$1,251/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,482/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,621
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,356
−HK$746/mo
Today · 4.125%
HK$25,102
baseline
▲ 0.50% · 4.625%
HK$26,629
+HK$1,527/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,204/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,278
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,983
−HK$715/mo
Today · 4.125%
HK$27,698
baseline
▲ 0.50% · 4.625%
HK$29,158
+HK$1,460/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,396/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,370
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,314
−HK$960/mo
Today · 4.125%
HK$32,274
baseline
▲ 0.50% · 4.625%
HK$34,238
+HK$1,964/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,548/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$221,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,786
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,692
−HK$919/mo
Today · 4.125%
HK$35,611
baseline
▲ 0.50% · 4.625%
HK$37,488
+HK$1,877/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,222/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$221,976 · 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).