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$16,634
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,151
−HK$526/mo
Today · 4.125%
HK$17,677
baseline
▲ 0.50% · 4.625%
HK$18,752
+HK$1,075/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,354/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,505
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,001
−HK$504/mo
Today · 4.125%
HK$19,505
baseline
▲ 0.50% · 4.625%
HK$20,533
+HK$1,028/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,010/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,960
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,581
−HK$631/mo
Today · 4.125%
HK$21,212
baseline
▲ 0.50% · 4.625%
HK$22,503
+HK$1,291/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,424/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,206
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,801
−HK$604/mo
Today · 4.125%
HK$23,405
baseline
▲ 0.50% · 4.625%
HK$24,639
+HK$1,234/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,810/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,287
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,012
−HK$735/mo
Today · 4.125%
HK$24,747
baseline
▲ 0.50% · 4.625%
HK$26,253
+HK$1,506/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,494/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,907
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,602
−HK$704/mo
Today · 4.125%
HK$27,306
baseline
▲ 0.50% · 4.625%
HK$28,746
+HK$1,440/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,612/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,941
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,872
−HK$946/mo
Today · 4.125%
HK$31,818
baseline
▲ 0.50% · 4.625%
HK$33,754
+HK$1,936/mo
Deposit HK$729K · loan HK$6.57M · min. income ≈ HK$63,636/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,309
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,202
−HK$906/mo
Today · 4.125%
HK$35,108
baseline
▲ 0.50% · 4.625%
HK$36,959
+HK$1,851/mo
Deposit HK$729K · loan HK$6.57M · min. income ≈ HK$70,216/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,840 · 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).