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$16,508
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,021
−HK$522/mo
Today · 4.125%
HK$17,543
baseline
▲ 0.50% · 4.625%
HK$18,610
+HK$1,067/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,086/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,365
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,857
−HK$500/mo
Today · 4.125%
HK$19,357
baseline
▲ 0.50% · 4.625%
HK$20,377
+HK$1,020/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,714/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,809
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,426
−HK$626/mo
Today · 4.125%
HK$21,052
baseline
▲ 0.50% · 4.625%
HK$22,333
+HK$1,281/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$42,104/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,038
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,629
−HK$599/mo
Today · 4.125%
HK$23,228
baseline
▲ 0.50% · 4.625%
HK$24,453
+HK$1,225/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$46,456/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,111
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,830
−HK$730/mo
Today · 4.125%
HK$24,560
baseline
▲ 0.50% · 4.625%
HK$26,055
+HK$1,495/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,120/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,711
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,400
−HK$700/mo
Today · 4.125%
HK$27,100
baseline
▲ 0.50% · 4.625%
HK$28,528
+HK$1,428/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,200/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,714
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,638
−HK$939/mo
Today · 4.125%
HK$31,577
baseline
▲ 0.50% · 4.625%
HK$33,499
+HK$1,922/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$63,154/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,057
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,943
−HK$900/mo
Today · 4.125%
HK$34,843
baseline
▲ 0.50% · 4.625%
HK$36,679
+HK$1,836/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$69,686/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,184 · 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).