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$17,175
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,710
−HK$542/mo
Today · 4.125%
HK$18,252
baseline
▲ 0.50% · 4.625%
HK$19,363
+HK$1,111/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,504/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,107
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,620
−HK$520/mo
Today · 4.125%
HK$20,140
baseline
▲ 0.50% · 4.625%
HK$21,201
+HK$1,061/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,280/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,610
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,252
−HK$651/mo
Today · 4.125%
HK$21,903
baseline
▲ 0.50% · 4.625%
HK$23,236
+HK$1,333/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,806/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,929
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,544
−HK$624/mo
Today · 4.125%
HK$24,168
baseline
▲ 0.50% · 4.625%
HK$25,442
+HK$1,274/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,336/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,046
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,794
−HK$759/mo
Today · 4.125%
HK$25,553
baseline
▲ 0.50% · 4.625%
HK$27,108
+HK$1,555/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,106/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$225,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,750
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,468
−HK$728/mo
Today · 4.125%
HK$28,196
baseline
▲ 0.50% · 4.625%
HK$29,682
+HK$1,486/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,392/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$225,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,916
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,877
−HK$977/mo
Today · 4.125%
HK$32,854
baseline
▲ 0.50% · 4.625%
HK$34,854
+HK$2,000/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$65,708/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,393
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,316
−HK$936/mo
Today · 4.125%
HK$36,252
baseline
▲ 0.50% · 4.625%
HK$38,162
+HK$1,910/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$72,504/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,967 · 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).