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$16,877
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,402
−HK$534/mo
Today · 4.125%
HK$17,936
baseline
▲ 0.50% · 4.625%
HK$19,027
+HK$1,091/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,872/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,776
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,279
−HK$511/mo
Today · 4.125%
HK$19,790
baseline
▲ 0.50% · 4.625%
HK$20,833
+HK$1,043/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,580/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$222,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,253
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,883
−HK$640/mo
Today · 4.125%
HK$21,523
baseline
▲ 0.50% · 4.625%
HK$22,832
+HK$1,309/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,046/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,531
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,135
−HK$613/mo
Today · 4.125%
HK$23,748
baseline
▲ 0.50% · 4.625%
HK$25,000
+HK$1,252/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,496/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$222,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,628
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,363
−HK$747/mo
Today · 4.125%
HK$25,110
baseline
▲ 0.50% · 4.625%
HK$26,638
+HK$1,528/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,220/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,286
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,991
−HK$715/mo
Today · 4.125%
HK$27,706
baseline
▲ 0.50% · 4.625%
HK$29,167
+HK$1,461/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,412/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,379
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,324
−HK$960/mo
Today · 4.125%
HK$32,284
baseline
▲ 0.50% · 4.625%
HK$34,248
+HK$1,964/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,568/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$222,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,796
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,703
−HK$919/mo
Today · 4.125%
HK$35,622
baseline
▲ 0.50% · 4.625%
HK$37,500
+HK$1,878/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,244/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$222,043 · 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).