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$16,770
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,291
−HK$530/mo
Today · 4.125%
HK$17,821
baseline
▲ 0.50% · 4.625%
HK$18,905
+HK$1,084/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,642/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,656
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,156
−HK$508/mo
Today · 4.125%
HK$19,664
baseline
▲ 0.50% · 4.625%
HK$20,700
+HK$1,036/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,328/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,123
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,749
−HK$636/mo
Today · 4.125%
HK$21,385
baseline
▲ 0.50% · 4.625%
HK$22,687
+HK$1,302/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,770/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,387
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,988
−HK$609/mo
Today · 4.125%
HK$23,597
baseline
▲ 0.50% · 4.625%
HK$24,840
+HK$1,243/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,194/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,477
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,208
−HK$742/mo
Today · 4.125%
HK$24,950
baseline
▲ 0.50% · 4.625%
HK$26,468
+HK$1,518/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,900/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,118
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,819
−HK$710/mo
Today · 4.125%
HK$27,529
baseline
▲ 0.50% · 4.625%
HK$28,981
+HK$1,452/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,058/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,185
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,124
−HK$954/mo
Today · 4.125%
HK$32,078
baseline
▲ 0.50% · 4.625%
HK$34,030
+HK$1,952/mo
Deposit HK$735K · loan HK$6.62M · min. income ≈ HK$64,156/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,581
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,481
−HK$914/mo
Today · 4.125%
HK$35,395
baseline
▲ 0.50% · 4.625%
HK$37,261
+HK$1,866/mo
Deposit HK$735K · loan HK$6.62M · min. income ≈ HK$70,790/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,627 · 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).