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$17,034
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,564
−HK$538/mo
Today · 4.125%
HK$18,102
baseline
▲ 0.50% · 4.625%
HK$19,204
+HK$1,102/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,204/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,950
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,458
−HK$516/mo
Today · 4.125%
HK$19,974
baseline
▲ 0.50% · 4.625%
HK$21,027
+HK$1,053/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$39,948/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,441
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,077
−HK$646/mo
Today · 4.125%
HK$21,723
baseline
▲ 0.50% · 4.625%
HK$23,044
+HK$1,321/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,446/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,740
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,350
−HK$619/mo
Today · 4.125%
HK$23,969
baseline
▲ 0.50% · 4.625%
HK$25,232
+HK$1,263/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,938/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,848
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,589
−HK$754/mo
Today · 4.125%
HK$25,343
baseline
▲ 0.50% · 4.625%
HK$26,885
+HK$1,542/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,686/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,530
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,242
−HK$722/mo
Today · 4.125%
HK$27,964
baseline
▲ 0.50% · 4.625%
HK$29,438
+HK$1,474/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,928/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,661
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,615
−HK$969/mo
Today · 4.125%
HK$32,584
baseline
▲ 0.50% · 4.625%
HK$34,567
+HK$1,983/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$65,168/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,110
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,025
−HK$928/mo
Today · 4.125%
HK$35,953
baseline
▲ 0.50% · 4.625%
HK$37,848
+HK$1,895/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$71,906/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,107 · 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).