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$16,713
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,233
−HK$528/mo
Today · 4.125%
HK$17,761
baseline
▲ 0.50% · 4.625%
HK$18,842
+HK$1,081/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,522/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,593
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,092
−HK$506/mo
Today · 4.125%
HK$19,598
baseline
▲ 0.50% · 4.625%
HK$20,631
+HK$1,033/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,196/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,056
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,680
−HK$634/mo
Today · 4.125%
HK$21,314
baseline
▲ 0.50% · 4.625%
HK$22,611
+HK$1,297/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,628/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,312
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,911
−HK$607/mo
Today · 4.125%
HK$23,518
baseline
▲ 0.50% · 4.625%
HK$24,757
+HK$1,239/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,036/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,399
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,127
−HK$739/mo
Today · 4.125%
HK$24,866
baseline
▲ 0.50% · 4.625%
HK$26,379
+HK$1,513/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,732/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,031
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,729
−HK$708/mo
Today · 4.125%
HK$27,437
baseline
▲ 0.50% · 4.625%
HK$28,883
+HK$1,446/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,874/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,084
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,020
−HK$951/mo
Today · 4.125%
HK$31,971
baseline
▲ 0.50% · 4.625%
HK$33,916
+HK$1,945/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$63,942/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,468
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,366
−HK$910/mo
Today · 4.125%
HK$35,276
baseline
▲ 0.50% · 4.625%
HK$37,136
+HK$1,860/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$70,552/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,888 · 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).