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$16,713
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,233
−HK$528/mo
Today · 4.125%
HK$17,761
baseline
▲ 0.50% · 4.625%
HK$18,841
+HK$1,080/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,522/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,593
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,091
−HK$506/mo
Today · 4.125%
HK$19,597
baseline
▲ 0.50% · 4.625%
HK$20,630
+HK$1,033/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,194/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,055
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,679
−HK$634/mo
Today · 4.125%
HK$21,313
baseline
▲ 0.50% · 4.625%
HK$22,610
+HK$1,297/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,626/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,311
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,910
−HK$607/mo
Today · 4.125%
HK$23,517
baseline
▲ 0.50% · 4.625%
HK$24,756
+HK$1,239/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,034/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,398
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,126
−HK$739/mo
Today · 4.125%
HK$24,865
baseline
▲ 0.50% · 4.625%
HK$26,378
+HK$1,513/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,730/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,030
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,728
−HK$708/mo
Today · 4.125%
HK$27,436
baseline
▲ 0.50% · 4.625%
HK$28,882
+HK$1,446/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,872/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,083
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,019
−HK$950/mo
Today · 4.125%
HK$31,969
baseline
▲ 0.50% · 4.625%
HK$33,915
+HK$1,946/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$63,938/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,467
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,364
−HK$911/mo
Today · 4.125%
HK$35,275
baseline
▲ 0.50% · 4.625%
HK$37,134
+HK$1,859/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$70,550/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,879 · 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).