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$17,010
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,539
−HK$538/mo
Today · 4.125%
HK$18,077
baseline
▲ 0.50% · 4.625%
HK$19,177
+HK$1,100/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,154/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,924
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,431
−HK$515/mo
Today · 4.125%
HK$19,946
baseline
▲ 0.50% · 4.625%
HK$20,997
+HK$1,051/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,892/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,412
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,047
−HK$645/mo
Today · 4.125%
HK$21,692
baseline
▲ 0.50% · 4.625%
HK$23,012
+HK$1,320/mo
Deposit HK$2.98M · loan HK$4.48M · min. income ≈ HK$43,384/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,708
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,317
−HK$618/mo
Today · 4.125%
HK$23,935
baseline
▲ 0.50% · 4.625%
HK$25,197
+HK$1,262/mo
Deposit HK$2.98M · loan HK$4.48M · min. income ≈ HK$47,870/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,814
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,555
−HK$752/mo
Today · 4.125%
HK$25,307
baseline
▲ 0.50% · 4.625%
HK$26,847
+HK$1,540/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,614/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,493
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,203
−HK$721/mo
Today · 4.125%
HK$27,924
baseline
▲ 0.50% · 4.625%
HK$29,396
+HK$1,472/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,848/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,618
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,570
−HK$968/mo
Today · 4.125%
HK$32,538
baseline
▲ 0.50% · 4.625%
HK$34,518
+HK$1,980/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$65,076/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,062
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,976
−HK$927/mo
Today · 4.125%
HK$35,903
baseline
▲ 0.50% · 4.625%
HK$37,795
+HK$1,892/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$71,806/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,792 · 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).