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$16,955
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,483
−HK$536/mo
Today · 4.125%
HK$18,019
baseline
▲ 0.50% · 4.625%
HK$19,115
+HK$1,096/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,038/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,863
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,369
−HK$513/mo
Today · 4.125%
HK$19,882
baseline
▲ 0.50% · 4.625%
HK$20,930
+HK$1,048/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,764/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,346
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,979
−HK$643/mo
Today · 4.125%
HK$21,622
baseline
▲ 0.50% · 4.625%
HK$22,938
+HK$1,316/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,244/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,635
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,242
−HK$616/mo
Today · 4.125%
HK$23,858
baseline
▲ 0.50% · 4.625%
HK$25,116
+HK$1,258/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,716/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,738
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,476
−HK$750/mo
Today · 4.125%
HK$25,226
baseline
▲ 0.50% · 4.625%
HK$26,761
+HK$1,535/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,452/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,408
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,116
−HK$719/mo
Today · 4.125%
HK$27,835
baseline
▲ 0.50% · 4.625%
HK$29,302
+HK$1,467/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,670/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,520
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,469
−HK$965/mo
Today · 4.125%
HK$32,434
baseline
▲ 0.50% · 4.625%
HK$34,407
+HK$1,973/mo
Deposit HK$744K · loan HK$6.69M · min. income ≈ HK$64,868/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,953
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,863
−HK$924/mo
Today · 4.125%
HK$35,787
baseline
▲ 0.50% · 4.625%
HK$37,674
+HK$1,887/mo
Deposit HK$744K · loan HK$6.69M · min. income ≈ HK$71,574/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,073 · 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).