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$16,751
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,272
−HK$529/mo
Today · 4.125%
HK$17,801
baseline
▲ 0.50% · 4.625%
HK$18,884
+HK$1,083/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,602/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,635
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,135
−HK$507/mo
Today · 4.125%
HK$19,642
baseline
▲ 0.50% · 4.625%
HK$20,677
+HK$1,035/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,284/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,101
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,726
−HK$635/mo
Today · 4.125%
HK$21,361
baseline
▲ 0.50% · 4.625%
HK$22,661
+HK$1,300/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,722/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,362
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,962
−HK$608/mo
Today · 4.125%
HK$23,570
baseline
▲ 0.50% · 4.625%
HK$24,812
+HK$1,242/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,140/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,451
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,180
−HK$741/mo
Today · 4.125%
HK$24,921
baseline
▲ 0.50% · 4.625%
HK$26,438
+HK$1,517/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,842/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,089
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,788
−HK$710/mo
Today · 4.125%
HK$27,498
baseline
▲ 0.50% · 4.625%
HK$28,948
+HK$1,450/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,996/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,151
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,089
−HK$953/mo
Today · 4.125%
HK$32,042
baseline
▲ 0.50% · 4.625%
HK$33,991
+HK$1,949/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$64,084/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,543
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,442
−HK$913/mo
Today · 4.125%
HK$35,355
baseline
▲ 0.50% · 4.625%
HK$37,219
+HK$1,864/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$70,710/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,378 · 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).