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$16,689
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,208
−HK$528/mo
Today · 4.125%
HK$17,736
baseline
▲ 0.50% · 4.625%
HK$18,815
+HK$1,079/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,472/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,567
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,065
−HK$505/mo
Today · 4.125%
HK$19,570
baseline
▲ 0.50% · 4.625%
HK$20,601
+HK$1,031/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,140/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,027
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,650
−HK$633/mo
Today · 4.125%
HK$21,283
baseline
▲ 0.50% · 4.625%
HK$22,578
+HK$1,295/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,566/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,280
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,878
−HK$606/mo
Today · 4.125%
HK$23,484
baseline
▲ 0.50% · 4.625%
HK$24,722
+HK$1,238/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,968/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,365
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,092
−HK$738/mo
Today · 4.125%
HK$24,830
baseline
▲ 0.50% · 4.625%
HK$26,341
+HK$1,511/mo
Deposit HK$2.20M · loan HK$5.12M · min. income ≈ HK$49,660/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,993
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,690
−HK$708/mo
Today · 4.125%
HK$27,398
baseline
▲ 0.50% · 4.625%
HK$28,842
+HK$1,444/mo
Deposit HK$2.20M · loan HK$5.12M · min. income ≈ HK$54,796/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,041
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,975
−HK$950/mo
Today · 4.125%
HK$31,925
baseline
▲ 0.50% · 4.625%
HK$33,867
+HK$1,942/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$63,850/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,420
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,316
−HK$910/mo
Today · 4.125%
HK$35,226
baseline
▲ 0.50% · 4.625%
HK$37,082
+HK$1,856/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$70,452/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,572 · 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).