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$16,588
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,104
−HK$524/mo
Today · 4.125%
HK$17,628
baseline
▲ 0.50% · 4.625%
HK$18,701
+HK$1,073/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,256/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,454
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,949
−HK$502/mo
Today · 4.125%
HK$19,451
baseline
▲ 0.50% · 4.625%
HK$20,476
+HK$1,025/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,902/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,906
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,525
−HK$629/mo
Today · 4.125%
HK$21,154
baseline
▲ 0.50% · 4.625%
HK$22,441
+HK$1,287/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,308/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,145
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,739
−HK$602/mo
Today · 4.125%
HK$23,341
baseline
▲ 0.50% · 4.625%
HK$24,572
+HK$1,231/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,682/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,223
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,946
−HK$734/mo
Today · 4.125%
HK$24,680
baseline
▲ 0.50% · 4.625%
HK$26,181
+HK$1,501/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,360/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,836
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,529
−HK$703/mo
Today · 4.125%
HK$27,232
baseline
▲ 0.50% · 4.625%
HK$28,667
+HK$1,435/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,464/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,859
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,787
−HK$944/mo
Today · 4.125%
HK$31,731
baseline
▲ 0.50% · 4.625%
HK$33,662
+HK$1,931/mo
Deposit HK$727K · loan HK$6.55M · min. income ≈ HK$63,462/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,217
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,108
−HK$904/mo
Today · 4.125%
HK$35,012
baseline
▲ 0.50% · 4.625%
HK$36,858
+HK$1,846/mo
Deposit HK$727K · loan HK$6.55M · min. income ≈ HK$70,024/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,241 · 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).