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$16,614
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,131
−HK$525/mo
Today · 4.125%
HK$17,656
baseline
▲ 0.50% · 4.625%
HK$18,730
+HK$1,074/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,312/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,483
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,979
−HK$502/mo
Today · 4.125%
HK$19,481
baseline
▲ 0.50% · 4.625%
HK$20,508
+HK$1,027/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,962/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,937
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,557
−HK$630/mo
Today · 4.125%
HK$21,187
baseline
▲ 0.50% · 4.625%
HK$22,476
+HK$1,289/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,374/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,179
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,774
−HK$604/mo
Today · 4.125%
HK$23,378
baseline
▲ 0.50% · 4.625%
HK$24,610
+HK$1,232/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,756/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,260
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,983
−HK$735/mo
Today · 4.125%
HK$24,718
baseline
▲ 0.50% · 4.625%
HK$26,222
+HK$1,504/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$49,436/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,876
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,570
−HK$704/mo
Today · 4.125%
HK$27,274
baseline
▲ 0.50% · 4.625%
HK$28,712
+HK$1,438/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$54,548/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,905
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,835
−HK$945/mo
Today · 4.125%
HK$31,780
baseline
▲ 0.50% · 4.625%
HK$33,714
+HK$1,934/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$63,560/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,269
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,161
−HK$906/mo
Today · 4.125%
HK$35,067
baseline
▲ 0.50% · 4.625%
HK$36,915
+HK$1,848/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$70,134/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,580 · 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).