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$16,893
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,419
−HK$534/mo
Today · 4.125%
HK$17,953
baseline
▲ 0.50% · 4.625%
HK$19,045
+HK$1,092/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,906/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,794
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,298
−HK$511/mo
Today · 4.125%
HK$19,809
baseline
▲ 0.50% · 4.625%
HK$20,853
+HK$1,044/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,618/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,272
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,903
−HK$640/mo
Today · 4.125%
HK$21,543
baseline
▲ 0.50% · 4.625%
HK$22,854
+HK$1,311/mo
Deposit HK$2.96M · loan HK$4.45M · min. income ≈ HK$43,086/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,552
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,157
−HK$614/mo
Today · 4.125%
HK$23,771
baseline
▲ 0.50% · 4.625%
HK$25,024
+HK$1,253/mo
Deposit HK$2.96M · loan HK$4.45M · min. income ≈ HK$47,542/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,651
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,386
−HK$748/mo
Today · 4.125%
HK$25,134
baseline
▲ 0.50% · 4.625%
HK$26,663
+HK$1,529/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,268/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,311
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,017
−HK$716/mo
Today · 4.125%
HK$27,733
baseline
▲ 0.50% · 4.625%
HK$29,194
+HK$1,461/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,466/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$222,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,408
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,354
−HK$961/mo
Today · 4.125%
HK$32,315
baseline
▲ 0.50% · 4.625%
HK$34,281
+HK$1,966/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,630/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,829
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$34,736
−HK$920/mo
Today · 4.125%
HK$35,656
baseline
▲ 0.50% · 4.625%
HK$37,536
+HK$1,880/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,312/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,256 · 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).