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$17,131
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,664
−HK$541/mo
Today · 4.125%
HK$18,205
baseline
▲ 0.50% · 4.625%
HK$19,313
+HK$1,108/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,410/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,058
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,569
−HK$519/mo
Today · 4.125%
HK$20,088
baseline
▲ 0.50% · 4.625%
HK$21,146
+HK$1,058/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,176/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,557
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,197
−HK$649/mo
Today · 4.125%
HK$21,846
baseline
▲ 0.50% · 4.625%
HK$23,176
+HK$1,330/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,692/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,870
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,483
−HK$622/mo
Today · 4.125%
HK$24,105
baseline
▲ 0.50% · 4.625%
HK$25,376
+HK$1,271/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,210/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,983
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,729
−HK$758/mo
Today · 4.125%
HK$25,487
baseline
▲ 0.50% · 4.625%
HK$27,038
+HK$1,551/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,974/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,681
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,397
−HK$726/mo
Today · 4.125%
HK$28,123
baseline
▲ 0.50% · 4.625%
HK$29,605
+HK$1,482/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,246/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,836
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,795
−HK$974/mo
Today · 4.125%
HK$32,769
baseline
▲ 0.50% · 4.625%
HK$34,763
+HK$1,994/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,538/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,304
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,224
−HK$934/mo
Today · 4.125%
HK$36,158
baseline
▲ 0.50% · 4.625%
HK$38,064
+HK$1,906/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,316/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,382 · 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).