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$16,940
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,466
−HK$536/mo
Today · 4.125%
HK$18,002
baseline
▲ 0.50% · 4.625%
HK$19,097
+HK$1,095/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$36,004/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,845
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,350
−HK$513/mo
Today · 4.125%
HK$19,863
baseline
▲ 0.50% · 4.625%
HK$20,910
+HK$1,047/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,726/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,327
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,960
−HK$642/mo
Today · 4.125%
HK$21,602
baseline
▲ 0.50% · 4.625%
HK$22,917
+HK$1,315/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,204/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,614
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,221
−HK$615/mo
Today · 4.125%
HK$23,836
baseline
▲ 0.50% · 4.625%
HK$25,092
+HK$1,256/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,672/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,715
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,453
−HK$750/mo
Today · 4.125%
HK$25,203
baseline
▲ 0.50% · 4.625%
HK$26,736
+HK$1,533/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,406/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,383
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,091
−HK$717/mo
Today · 4.125%
HK$27,808
baseline
▲ 0.50% · 4.625%
HK$29,274
+HK$1,466/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,616/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,491
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,440
−HK$963/mo
Today · 4.125%
HK$32,403
baseline
▲ 0.50% · 4.625%
HK$34,375
+HK$1,972/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$64,806/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,921
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,831
−HK$923/mo
Today · 4.125%
HK$35,754
baseline
▲ 0.50% · 4.625%
HK$37,638
+HK$1,884/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$71,508/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,864 · 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).