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$16,983
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,511
−HK$537/mo
Today · 4.125%
HK$18,048
baseline
▲ 0.50% · 4.625%
HK$19,146
+HK$1,098/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,096/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,893
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,400
−HK$514/mo
Today · 4.125%
HK$19,914
baseline
▲ 0.50% · 4.625%
HK$20,963
+HK$1,049/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,828/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,379
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,013
−HK$644/mo
Today · 4.125%
HK$21,657
baseline
▲ 0.50% · 4.625%
HK$22,975
+HK$1,318/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,314/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,672
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,280
−HK$616/mo
Today · 4.125%
HK$23,896
baseline
▲ 0.50% · 4.625%
HK$25,156
+HK$1,260/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,792/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,776
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,515
−HK$752/mo
Today · 4.125%
HK$25,267
baseline
▲ 0.50% · 4.625%
HK$26,804
+HK$1,537/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,534/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,450
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,159
−HK$720/mo
Today · 4.125%
HK$27,879
baseline
▲ 0.50% · 4.625%
HK$29,349
+HK$1,470/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,758/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,569
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,519
−HK$967/mo
Today · 4.125%
HK$32,486
baseline
▲ 0.50% · 4.625%
HK$34,462
+HK$1,976/mo
Deposit HK$745K · loan HK$6.70M · min. income ≈ HK$64,972/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,007
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,919
−HK$926/mo
Today · 4.125%
HK$35,845
baseline
▲ 0.50% · 4.625%
HK$37,734
+HK$1,889/mo
Deposit HK$745K · loan HK$6.70M · min. income ≈ HK$71,690/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,430 · 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).