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$16,826
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,349
−HK$532/mo
Today · 4.125%
HK$17,881
baseline
▲ 0.50% · 4.625%
HK$18,969
+HK$1,088/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,762/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,719
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,221
−HK$509/mo
Today · 4.125%
HK$19,730
baseline
▲ 0.50% · 4.625%
HK$20,770
+HK$1,040/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,460/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,191
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,819
−HK$638/mo
Today · 4.125%
HK$21,457
baseline
▲ 0.50% · 4.625%
HK$22,763
+HK$1,306/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,914/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,462
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,065
−HK$611/mo
Today · 4.125%
HK$23,676
baseline
▲ 0.50% · 4.625%
HK$24,924
+HK$1,248/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,352/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,556
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,289
−HK$744/mo
Today · 4.125%
HK$25,033
baseline
▲ 0.50% · 4.625%
HK$26,557
+HK$1,524/mo
Deposit HK$2.21M · loan HK$5.17M · min. income ≈ HK$50,066/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,206
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,909
−HK$713/mo
Today · 4.125%
HK$27,622
baseline
▲ 0.50% · 4.625%
HK$29,078
+HK$1,456/mo
Deposit HK$2.21M · loan HK$5.17M · min. income ≈ HK$55,244/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,286
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,229
−HK$957/mo
Today · 4.125%
HK$32,186
baseline
▲ 0.50% · 4.625%
HK$34,144
+HK$1,958/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$64,372/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,693
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,597
−HK$917/mo
Today · 4.125%
HK$35,514
baseline
▲ 0.50% · 4.625%
HK$37,386
+HK$1,872/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$71,028/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,368 · 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).