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$16,996
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,525
−HK$537/mo
Today · 4.125%
HK$18,062
baseline
▲ 0.50% · 4.625%
HK$19,161
+HK$1,099/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,124/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,908
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,415
−HK$514/mo
Today · 4.125%
HK$19,929
baseline
▲ 0.50% · 4.625%
HK$20,980
+HK$1,051/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,858/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,395
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,030
−HK$644/mo
Today · 4.125%
HK$21,674
baseline
▲ 0.50% · 4.625%
HK$22,993
+HK$1,319/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,348/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,689
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,298
−HK$617/mo
Today · 4.125%
HK$23,915
baseline
▲ 0.50% · 4.625%
HK$25,176
+HK$1,261/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,830/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,794
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,535
−HK$752/mo
Today · 4.125%
HK$25,287
baseline
▲ 0.50% · 4.625%
HK$26,825
+HK$1,538/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,574/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,471
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,181
−HK$720/mo
Today · 4.125%
HK$27,901
baseline
▲ 0.50% · 4.625%
HK$29,372
+HK$1,471/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,802/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,593
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,544
−HK$967/mo
Today · 4.125%
HK$32,511
baseline
▲ 0.50% · 4.625%
HK$34,489
+HK$1,978/mo
Deposit HK$745K · loan HK$6.71M · min. income ≈ HK$65,022/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,034
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,947
−HK$926/mo
Today · 4.125%
HK$35,873
baseline
▲ 0.50% · 4.625%
HK$37,764
+HK$1,891/mo
Deposit HK$745K · loan HK$6.71M · min. income ≈ HK$71,746/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,607 · 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).