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$16,950
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,477
−HK$536/mo
Today · 4.125%
HK$18,013
baseline
▲ 0.50% · 4.625%
HK$19,109
+HK$1,096/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,026/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,856
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,362
−HK$513/mo
Today · 4.125%
HK$19,875
baseline
▲ 0.50% · 4.625%
HK$20,923
+HK$1,048/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,750/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,340
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,972
−HK$643/mo
Today · 4.125%
HK$21,615
baseline
▲ 0.50% · 4.625%
HK$22,930
+HK$1,315/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,230/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$222,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,628
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,234
−HK$616/mo
Today · 4.125%
HK$23,850
baseline
▲ 0.50% · 4.625%
HK$25,107
+HK$1,257/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,700/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$222,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,730
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,468
−HK$750/mo
Today · 4.125%
HK$25,218
baseline
▲ 0.50% · 4.625%
HK$26,752
+HK$1,534/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,436/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,399
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,107
−HK$718/mo
Today · 4.125%
HK$27,825
baseline
▲ 0.50% · 4.625%
HK$29,292
+HK$1,467/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,650/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,509
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,458
−HK$965/mo
Today · 4.125%
HK$32,423
baseline
▲ 0.50% · 4.625%
HK$34,395
+HK$1,972/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$64,846/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,941
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,852
−HK$923/mo
Today · 4.125%
HK$35,775
baseline
▲ 0.50% · 4.625%
HK$37,661
+HK$1,886/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$71,550/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,998 · 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).