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$17,141
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,674
−HK$541/mo
Today · 4.125%
HK$18,215
baseline
▲ 0.50% · 4.625%
HK$19,324
+HK$1,109/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,430/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,069
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,580
−HK$519/mo
Today · 4.125%
HK$20,099
baseline
▲ 0.50% · 4.625%
HK$21,158
+HK$1,059/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,198/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,569
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,208
−HK$650/mo
Today · 4.125%
HK$21,858
baseline
▲ 0.50% · 4.625%
HK$23,188
+HK$1,330/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,716/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,882
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,496
−HK$623/mo
Today · 4.125%
HK$24,119
baseline
▲ 0.50% · 4.625%
HK$25,390
+HK$1,271/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,238/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,997
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,743
−HK$759/mo
Today · 4.125%
HK$25,502
baseline
▲ 0.50% · 4.625%
HK$27,053
+HK$1,551/mo
Deposit HK$2.26M · loan HK$5.26M · min. income ≈ HK$51,004/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,696
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,412
−HK$726/mo
Today · 4.125%
HK$28,138
baseline
▲ 0.50% · 4.625%
HK$29,622
+HK$1,484/mo
Deposit HK$2.26M · loan HK$5.26M · min. income ≈ HK$56,276/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,853
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,813
−HK$975/mo
Today · 4.125%
HK$32,788
baseline
▲ 0.50% · 4.625%
HK$34,783
+HK$1,995/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$65,576/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,324
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,244
−HK$934/mo
Today · 4.125%
HK$36,178
baseline
▲ 0.50% · 4.625%
HK$38,085
+HK$1,907/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$72,356/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,508 · 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).