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$16,670
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,188
−HK$527/mo
Today · 4.125%
HK$17,715
baseline
▲ 0.50% · 4.625%
HK$18,793
+HK$1,078/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,430/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,545
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,042
−HK$505/mo
Today · 4.125%
HK$19,547
baseline
▲ 0.50% · 4.625%
HK$20,577
+HK$1,030/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,094/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,004
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,626
−HK$632/mo
Today · 4.125%
HK$21,258
baseline
▲ 0.50% · 4.625%
HK$22,552
+HK$1,294/mo
Deposit HK$2.92M · loan HK$4.39M · min. income ≈ HK$42,516/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,254
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,851
−HK$605/mo
Today · 4.125%
HK$23,456
baseline
▲ 0.50% · 4.625%
HK$24,693
+HK$1,237/mo
Deposit HK$2.92M · loan HK$4.39M · min. income ≈ HK$46,912/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,338
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,064
−HK$737/mo
Today · 4.125%
HK$24,801
baseline
▲ 0.50% · 4.625%
HK$26,310
+HK$1,509/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$49,602/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,963
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,659
−HK$707/mo
Today · 4.125%
HK$27,366
baseline
▲ 0.50% · 4.625%
HK$28,808
+HK$1,442/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$54,732/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,006
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,939
−HK$948/mo
Today · 4.125%
HK$31,887
baseline
▲ 0.50% · 4.625%
HK$33,828
+HK$1,941/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$63,774/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,381
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,276
−HK$909/mo
Today · 4.125%
HK$35,185
baseline
▲ 0.50% · 4.625%
HK$37,039
+HK$1,854/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$70,370/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,316 · 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).