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$16,617
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,134
−HK$525/mo
Today · 4.125%
HK$17,659
baseline
▲ 0.50% · 4.625%
HK$18,734
+HK$1,075/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,318/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,487
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,982
−HK$503/mo
Today · 4.125%
HK$19,485
baseline
▲ 0.50% · 4.625%
HK$20,513
+HK$1,028/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,970/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,941
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,561
−HK$630/mo
Today · 4.125%
HK$21,191
baseline
▲ 0.50% · 4.625%
HK$22,481
+HK$1,290/mo
Deposit HK$2.92M · loan HK$4.37M · min. income ≈ HK$42,382/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,184
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,779
−HK$604/mo
Today · 4.125%
HK$23,383
baseline
▲ 0.50% · 4.625%
HK$24,615
+HK$1,232/mo
Deposit HK$2.92M · loan HK$4.37M · min. income ≈ HK$46,766/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,264
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,988
−HK$735/mo
Today · 4.125%
HK$24,723
baseline
▲ 0.50% · 4.625%
HK$26,228
+HK$1,505/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$49,446/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,881
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,575
−HK$705/mo
Today · 4.125%
HK$27,280
baseline
▲ 0.50% · 4.625%
HK$28,718
+HK$1,438/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$54,560/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,911
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,842
−HK$945/mo
Today · 4.125%
HK$31,787
baseline
▲ 0.50% · 4.625%
HK$33,721
+HK$1,934/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$63,574/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,276
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,168
−HK$906/mo
Today · 4.125%
HK$35,074
baseline
▲ 0.50% · 4.625%
HK$36,923
+HK$1,849/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$70,148/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,626 · 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).