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$16,750
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,271
−HK$529/mo
Today · 4.125%
HK$17,800
baseline
▲ 0.50% · 4.625%
HK$18,883
+HK$1,083/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,600/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,634
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,134
−HK$507/mo
Today · 4.125%
HK$19,641
baseline
▲ 0.50% · 4.625%
HK$20,676
+HK$1,035/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,282/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,100
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,725
−HK$635/mo
Today · 4.125%
HK$21,360
baseline
▲ 0.50% · 4.625%
HK$22,660
+HK$1,300/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,720/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,361
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,960
−HK$609/mo
Today · 4.125%
HK$23,569
baseline
▲ 0.50% · 4.625%
HK$24,811
+HK$1,242/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,138/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,450
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,179
−HK$741/mo
Today · 4.125%
HK$24,920
baseline
▲ 0.50% · 4.625%
HK$26,437
+HK$1,517/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,840/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,088
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,787
−HK$710/mo
Today · 4.125%
HK$27,497
baseline
▲ 0.50% · 4.625%
HK$28,946
+HK$1,449/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,994/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,150
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,087
−HK$953/mo
Today · 4.125%
HK$32,040
baseline
▲ 0.50% · 4.625%
HK$33,990
+HK$1,950/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$64,080/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,541
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,441
−HK$912/mo
Today · 4.125%
HK$35,353
baseline
▲ 0.50% · 4.625%
HK$37,217
+HK$1,864/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$70,706/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,368 · 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).