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$16,850
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,374
−HK$532/mo
Today · 4.125%
HK$17,906
baseline
▲ 0.50% · 4.625%
HK$18,996
+HK$1,090/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,812/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,745
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,248
−HK$510/mo
Today · 4.125%
HK$19,758
baseline
▲ 0.50% · 4.625%
HK$20,799
+HK$1,041/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,516/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,219
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,848
−HK$639/mo
Today · 4.125%
HK$21,487
baseline
▲ 0.50% · 4.625%
HK$22,795
+HK$1,308/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$42,974/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,494
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,097
−HK$612/mo
Today · 4.125%
HK$23,709
baseline
▲ 0.50% · 4.625%
HK$24,959
+HK$1,250/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$47,418/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,589
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,323
−HK$746/mo
Today · 4.125%
HK$25,069
baseline
▲ 0.50% · 4.625%
HK$26,594
+HK$1,525/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$50,138/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,243
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,947
−HK$714/mo
Today · 4.125%
HK$27,661
baseline
▲ 0.50% · 4.625%
HK$29,119
+HK$1,458/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$55,322/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,329
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,273
−HK$958/mo
Today · 4.125%
HK$32,231
baseline
▲ 0.50% · 4.625%
HK$34,192
+HK$1,961/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,462/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,741
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,646
−HK$918/mo
Today · 4.125%
HK$35,564
baseline
▲ 0.50% · 4.625%
HK$37,438
+HK$1,874/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,128/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,680 · 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).