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$16,572
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,087
−HK$524/mo
Today · 4.125%
HK$17,611
baseline
▲ 0.50% · 4.625%
HK$18,682
+HK$1,071/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,222/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,436
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,930
−HK$502/mo
Today · 4.125%
HK$19,432
baseline
▲ 0.50% · 4.625%
HK$20,456
+HK$1,024/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,864/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,886
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,504
−HK$629/mo
Today · 4.125%
HK$21,133
baseline
▲ 0.50% · 4.625%
HK$22,419
+HK$1,286/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,266/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$218,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,123
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,716
−HK$602/mo
Today · 4.125%
HK$23,318
baseline
▲ 0.50% · 4.625%
HK$24,547
+HK$1,229/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,636/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$218,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,200
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,922
−HK$733/mo
Today · 4.125%
HK$24,655
baseline
▲ 0.50% · 4.625%
HK$26,155
+HK$1,500/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,310/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,810
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,502
−HK$702/mo
Today · 4.125%
HK$27,204
baseline
▲ 0.50% · 4.625%
HK$28,638
+HK$1,434/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,408/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,829
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,757
−HK$942/mo
Today · 4.125%
HK$31,699
baseline
▲ 0.50% · 4.625%
HK$33,628
+HK$1,929/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$63,398/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,184
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,074
−HK$903/mo
Today · 4.125%
HK$34,977
baseline
▲ 0.50% · 4.625%
HK$36,821
+HK$1,844/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$69,954/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,023 · 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).