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$16,513
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,027
−HK$522/mo
Today · 4.125%
HK$17,549
baseline
▲ 0.50% · 4.625%
HK$18,616
+HK$1,067/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,098/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,371
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,863
−HK$500/mo
Today · 4.125%
HK$19,363
baseline
▲ 0.50% · 4.625%
HK$20,384
+HK$1,021/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,726/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,816
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,432
−HK$626/mo
Today · 4.125%
HK$21,058
baseline
▲ 0.50% · 4.625%
HK$22,340
+HK$1,282/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,116/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,045
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,636
−HK$600/mo
Today · 4.125%
HK$23,236
baseline
▲ 0.50% · 4.625%
HK$24,461
+HK$1,225/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,472/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,118
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,837
−HK$731/mo
Today · 4.125%
HK$24,568
baseline
▲ 0.50% · 4.625%
HK$26,063
+HK$1,495/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,136/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,719
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,409
−HK$699/mo
Today · 4.125%
HK$27,108
baseline
▲ 0.50% · 4.625%
HK$28,537
+HK$1,429/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,216/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,724
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,648
−HK$939/mo
Today · 4.125%
HK$31,587
baseline
▲ 0.50% · 4.625%
HK$33,509
+HK$1,922/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$63,174/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,067
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,954
−HK$900/mo
Today · 4.125%
HK$34,854
baseline
▲ 0.50% · 4.625%
HK$36,691
+HK$1,837/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$69,708/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,253 · 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).