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$17,171
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,705
−HK$542/mo
Today · 4.125%
HK$18,247
baseline
▲ 0.50% · 4.625%
HK$19,358
+HK$1,111/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,494/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,102
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,614
−HK$520/mo
Today · 4.125%
HK$20,134
baseline
▲ 0.50% · 4.625%
HK$21,195
+HK$1,061/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,268/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,605
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,246
−HK$651/mo
Today · 4.125%
HK$21,897
baseline
▲ 0.50% · 4.625%
HK$23,229
+HK$1,332/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,794/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,922
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,537
−HK$624/mo
Today · 4.125%
HK$24,161
baseline
▲ 0.50% · 4.625%
HK$25,434
+HK$1,273/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,322/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,039
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,786
−HK$760/mo
Today · 4.125%
HK$25,546
baseline
▲ 0.50% · 4.625%
HK$27,101
+HK$1,555/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,092/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,743
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,460
−HK$728/mo
Today · 4.125%
HK$28,188
baseline
▲ 0.50% · 4.625%
HK$29,673
+HK$1,485/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,376/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,907
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,868
−HK$977/mo
Today · 4.125%
HK$32,845
baseline
▲ 0.50% · 4.625%
HK$34,844
+HK$1,999/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$65,690/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,384
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,306
−HK$935/mo
Today · 4.125%
HK$36,241
baseline
▲ 0.50% · 4.625%
HK$38,152
+HK$1,911/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$72,482/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,903 · 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).