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$16,533
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,047
−HK$523/mo
Today · 4.125%
HK$17,570
baseline
▲ 0.50% · 4.625%
HK$18,639
+HK$1,069/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,140/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,393
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,886
−HK$501/mo
Today · 4.125%
HK$19,387
baseline
▲ 0.50% · 4.625%
HK$20,409
+HK$1,022/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,774/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,840
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,457
−HK$627/mo
Today · 4.125%
HK$21,084
baseline
▲ 0.50% · 4.625%
HK$22,367
+HK$1,283/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,168/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,072
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,664
−HK$600/mo
Today · 4.125%
HK$23,264
baseline
▲ 0.50% · 4.625%
HK$24,490
+HK$1,226/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,528/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,146
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,866
−HK$732/mo
Today · 4.125%
HK$24,598
baseline
▲ 0.50% · 4.625%
HK$26,095
+HK$1,497/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,196/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,750
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,441
−HK$700/mo
Today · 4.125%
HK$27,141
baseline
▲ 0.50% · 4.625%
HK$28,572
+HK$1,431/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,282/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,760
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,685
−HK$941/mo
Today · 4.125%
HK$31,626
baseline
▲ 0.50% · 4.625%
HK$33,550
+HK$1,924/mo
Deposit HK$725K · loan HK$6.53M · min. income ≈ HK$63,252/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,107
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$33,995
−HK$901/mo
Today · 4.125%
HK$34,896
baseline
▲ 0.50% · 4.625%
HK$36,735
+HK$1,839/mo
Deposit HK$725K · loan HK$6.53M · min. income ≈ HK$69,792/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,518 · 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).