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$16,597
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,113
−HK$524/mo
Today · 4.125%
HK$17,637
baseline
▲ 0.50% · 4.625%
HK$18,711
+HK$1,074/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,274/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,464
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,959
−HK$502/mo
Today · 4.125%
HK$19,461
baseline
▲ 0.50% · 4.625%
HK$20,487
+HK$1,026/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,922/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,916
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,536
−HK$629/mo
Today · 4.125%
HK$21,165
baseline
▲ 0.50% · 4.625%
HK$22,453
+HK$1,288/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,330/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,156
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,751
−HK$602/mo
Today · 4.125%
HK$23,353
baseline
▲ 0.50% · 4.625%
HK$24,584
+HK$1,231/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,706/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,235
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,958
−HK$734/mo
Today · 4.125%
HK$24,692
baseline
▲ 0.50% · 4.625%
HK$26,195
+HK$1,503/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,384/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,849
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,542
−HK$704/mo
Today · 4.125%
HK$27,246
baseline
▲ 0.50% · 4.625%
HK$28,682
+HK$1,436/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,492/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,874
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,803
−HK$944/mo
Today · 4.125%
HK$31,747
baseline
▲ 0.50% · 4.625%
HK$33,679
+HK$1,932/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$63,494/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,235
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,126
−HK$904/mo
Today · 4.125%
HK$35,030
baseline
▲ 0.50% · 4.625%
HK$36,877
+HK$1,847/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$70,060/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,353 · 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).