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$16,757
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,279
−HK$529/mo
Today · 4.125%
HK$17,808
baseline
▲ 0.50% · 4.625%
HK$18,892
+HK$1,084/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,616/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,642
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,142
−HK$508/mo
Today · 4.125%
HK$19,650
baseline
▲ 0.50% · 4.625%
HK$20,685
+HK$1,035/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,300/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,109
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,734
−HK$636/mo
Today · 4.125%
HK$21,370
baseline
▲ 0.50% · 4.625%
HK$22,670
+HK$1,300/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,740/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,371
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,971
−HK$608/mo
Today · 4.125%
HK$23,579
baseline
▲ 0.50% · 4.625%
HK$24,822
+HK$1,243/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,158/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,460
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,190
−HK$741/mo
Today · 4.125%
HK$24,931
baseline
▲ 0.50% · 4.625%
HK$26,448
+HK$1,517/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,862/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,099
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,799
−HK$710/mo
Today · 4.125%
HK$27,509
baseline
▲ 0.50% · 4.625%
HK$28,959
+HK$1,450/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$55,018/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,163
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,101
−HK$954/mo
Today · 4.125%
HK$32,055
baseline
▲ 0.50% · 4.625%
HK$34,005
+HK$1,950/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$64,110/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,556
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,456
−HK$913/mo
Today · 4.125%
HK$35,369
baseline
▲ 0.50% · 4.625%
HK$37,234
+HK$1,865/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$70,738/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,467 · 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).