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$17,160
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,694
−HK$542/mo
Today · 4.125%
HK$18,236
baseline
▲ 0.50% · 4.625%
HK$19,346
+HK$1,110/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,472/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,090
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,602
−HK$520/mo
Today · 4.125%
HK$20,122
baseline
▲ 0.50% · 4.625%
HK$21,183
+HK$1,061/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,244/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,592
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,233
−HK$650/mo
Today · 4.125%
HK$21,883
baseline
▲ 0.50% · 4.625%
HK$23,215
+HK$1,332/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,766/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,909
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,523
−HK$623/mo
Today · 4.125%
HK$24,146
baseline
▲ 0.50% · 4.625%
HK$25,419
+HK$1,273/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,292/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,024
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,771
−HK$760/mo
Today · 4.125%
HK$25,531
baseline
▲ 0.50% · 4.625%
HK$27,084
+HK$1,553/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,062/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,727
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,443
−HK$728/mo
Today · 4.125%
HK$28,171
baseline
▲ 0.50% · 4.625%
HK$29,656
+HK$1,485/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,342/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,888
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,849
−HK$976/mo
Today · 4.125%
HK$32,825
baseline
▲ 0.50% · 4.625%
HK$34,823
+HK$1,998/mo
Deposit HK$753K · loan HK$6.77M · min. income ≈ HK$65,650/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,363
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,284
−HK$935/mo
Today · 4.125%
HK$36,219
baseline
▲ 0.50% · 4.625%
HK$38,129
+HK$1,910/mo
Deposit HK$753K · loan HK$6.77M · min. income ≈ HK$72,438/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,766 · 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).