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$16,866
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,391
−HK$533/mo
Today · 4.125%
HK$17,924
baseline
▲ 0.50% · 4.625%
HK$19,015
+HK$1,091/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,848/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,764
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,267
−HK$510/mo
Today · 4.125%
HK$19,777
baseline
▲ 0.50% · 4.625%
HK$20,820
+HK$1,043/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,554/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,240
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,869
−HK$640/mo
Today · 4.125%
HK$21,509
baseline
▲ 0.50% · 4.625%
HK$22,818
+HK$1,309/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,018/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,516
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,120
−HK$613/mo
Today · 4.125%
HK$23,733
baseline
▲ 0.50% · 4.625%
HK$24,984
+HK$1,251/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,466/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,613
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,347
−HK$747/mo
Today · 4.125%
HK$25,094
baseline
▲ 0.50% · 4.625%
HK$26,620
+HK$1,526/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,188/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,269
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,974
−HK$714/mo
Today · 4.125%
HK$27,688
baseline
▲ 0.50% · 4.625%
HK$29,148
+HK$1,460/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,376/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,359
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,304
−HK$959/mo
Today · 4.125%
HK$32,263
baseline
▲ 0.50% · 4.625%
HK$34,226
+HK$1,963/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,526/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$221,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,774
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,680
−HK$919/mo
Today · 4.125%
HK$35,599
baseline
▲ 0.50% · 4.625%
HK$37,476
+HK$1,877/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,198/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$221,901 · 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).