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$16,955
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,482
−HK$536/mo
Today · 4.125%
HK$18,018
baseline
▲ 0.50% · 4.625%
HK$19,114
+HK$1,096/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,036/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,862
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,368
−HK$513/mo
Today · 4.125%
HK$19,881
baseline
▲ 0.50% · 4.625%
HK$20,929
+HK$1,048/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,762/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,346
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,979
−HK$643/mo
Today · 4.125%
HK$21,622
baseline
▲ 0.50% · 4.625%
HK$22,937
+HK$1,315/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,244/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,634
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,242
−HK$615/mo
Today · 4.125%
HK$23,857
baseline
▲ 0.50% · 4.625%
HK$25,115
+HK$1,258/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,714/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,737
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,475
−HK$750/mo
Today · 4.125%
HK$25,225
baseline
▲ 0.50% · 4.625%
HK$26,760
+HK$1,535/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,450/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,407
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,115
−HK$719/mo
Today · 4.125%
HK$27,834
baseline
▲ 0.50% · 4.625%
HK$29,301
+HK$1,467/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,668/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,519
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,468
−HK$964/mo
Today · 4.125%
HK$32,432
baseline
▲ 0.50% · 4.625%
HK$34,406
+HK$1,974/mo
Deposit HK$744K · loan HK$6.69M · min. income ≈ HK$64,864/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,952
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,862
−HK$924/mo
Today · 4.125%
HK$35,786
baseline
▲ 0.50% · 4.625%
HK$37,672
+HK$1,886/mo
Deposit HK$744K · loan HK$6.69M · min. income ≈ HK$71,572/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,065 · 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).