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$16,605
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,121
−HK$525/mo
Today · 4.125%
HK$17,646
baseline
▲ 0.50% · 4.625%
HK$18,720
+HK$1,074/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,292/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,473
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,968
−HK$503/mo
Today · 4.125%
HK$19,471
baseline
▲ 0.50% · 4.625%
HK$20,497
+HK$1,026/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,942/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,926
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,545
−HK$630/mo
Today · 4.125%
HK$21,175
baseline
▲ 0.50% · 4.625%
HK$22,464
+HK$1,289/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,350/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,167
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,762
−HK$603/mo
Today · 4.125%
HK$23,365
baseline
▲ 0.50% · 4.625%
HK$24,596
+HK$1,231/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,730/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,247
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,970
−HK$734/mo
Today · 4.125%
HK$24,704
baseline
▲ 0.50% · 4.625%
HK$26,207
+HK$1,503/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$49,408/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,862
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,555
−HK$704/mo
Today · 4.125%
HK$27,259
baseline
▲ 0.50% · 4.625%
HK$28,696
+HK$1,437/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$54,518/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,888
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,818
−HK$945/mo
Today · 4.125%
HK$31,763
baseline
▲ 0.50% · 4.625%
HK$33,695
+HK$1,932/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$63,526/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,251
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,142
−HK$905/mo
Today · 4.125%
HK$35,047
baseline
▲ 0.50% · 4.625%
HK$36,894
+HK$1,847/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$70,094/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,458 · 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).