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$16,951
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,478
−HK$536/mo
Today · 4.125%
HK$18,014
baseline
▲ 0.50% · 4.625%
HK$19,110
+HK$1,096/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,028/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,858
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,363
−HK$514/mo
Today · 4.125%
HK$19,877
baseline
▲ 0.50% · 4.625%
HK$20,924
+HK$1,047/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,754/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,341
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,974
−HK$643/mo
Today · 4.125%
HK$21,617
baseline
▲ 0.50% · 4.625%
HK$22,932
+HK$1,315/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,234/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,629
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,236
−HK$616/mo
Today · 4.125%
HK$23,852
baseline
▲ 0.50% · 4.625%
HK$25,109
+HK$1,257/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,704/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,731
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,469
−HK$750/mo
Today · 4.125%
HK$25,219
baseline
▲ 0.50% · 4.625%
HK$26,754
+HK$1,535/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,438/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,401
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,109
−HK$718/mo
Today · 4.125%
HK$27,827
baseline
▲ 0.50% · 4.625%
HK$29,294
+HK$1,467/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,654/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,512
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,461
−HK$964/mo
Today · 4.125%
HK$32,425
baseline
▲ 0.50% · 4.625%
HK$34,398
+HK$1,973/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$64,850/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$223,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,944
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,854
−HK$924/mo
Today · 4.125%
HK$35,778
baseline
▲ 0.50% · 4.625%
HK$37,664
+HK$1,886/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$71,556/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$223,014 · 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).