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$16,731
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,251
−HK$529/mo
Today · 4.125%
HK$17,780
baseline
▲ 0.50% · 4.625%
HK$18,862
+HK$1,082/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,560/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,613
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,112
−HK$507/mo
Today · 4.125%
HK$19,619
baseline
▲ 0.50% · 4.625%
HK$20,653
+HK$1,034/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,238/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,077
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,702
−HK$634/mo
Today · 4.125%
HK$21,336
baseline
▲ 0.50% · 4.625%
HK$22,634
+HK$1,298/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,672/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,336
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,935
−HK$607/mo
Today · 4.125%
HK$23,542
baseline
▲ 0.50% · 4.625%
HK$24,783
+HK$1,241/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,084/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,423
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,152
−HK$740/mo
Today · 4.125%
HK$24,892
baseline
▲ 0.50% · 4.625%
HK$26,407
+HK$1,515/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,784/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,058
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,757
−HK$709/mo
Today · 4.125%
HK$27,466
baseline
▲ 0.50% · 4.625%
HK$28,914
+HK$1,448/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,932/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,116
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,052
−HK$952/mo
Today · 4.125%
HK$32,004
baseline
▲ 0.50% · 4.625%
HK$33,951
+HK$1,947/mo
Deposit HK$734K · loan HK$6.60M · min. income ≈ HK$64,008/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,503
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,402
−HK$911/mo
Today · 4.125%
HK$35,313
baseline
▲ 0.50% · 4.625%
HK$37,175
+HK$1,862/mo
Deposit HK$734K · loan HK$6.60M · min. income ≈ HK$70,626/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,119 · 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).