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$16,892
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,417
−HK$534/mo
Today · 4.125%
HK$17,951
baseline
▲ 0.50% · 4.625%
HK$19,044
+HK$1,093/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,902/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,792
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,296
−HK$512/mo
Today · 4.125%
HK$19,808
baseline
▲ 0.50% · 4.625%
HK$20,852
+HK$1,044/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,616/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,270
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,901
−HK$641/mo
Today · 4.125%
HK$21,542
baseline
▲ 0.50% · 4.625%
HK$22,852
+HK$1,310/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,084/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,551
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,155
−HK$614/mo
Today · 4.125%
HK$23,769
baseline
▲ 0.50% · 4.625%
HK$25,022
+HK$1,253/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,538/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,649
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,384
−HK$748/mo
Today · 4.125%
HK$25,132
baseline
▲ 0.50% · 4.625%
HK$26,661
+HK$1,529/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,264/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,309
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,015
−HK$716/mo
Today · 4.125%
HK$27,731
baseline
▲ 0.50% · 4.625%
HK$29,192
+HK$1,461/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,462/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,406
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$31,351
−HK$961/mo
Today · 4.125%
HK$32,312
baseline
▲ 0.50% · 4.625%
HK$34,279
+HK$1,967/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,624/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,826
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,733
−HK$921/mo
Today · 4.125%
HK$35,654
baseline
▲ 0.50% · 4.625%
HK$37,533
+HK$1,879/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,308/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,239 · 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).