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$16,481
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$16,994
−HK$521/mo
Today · 4.125%
HK$17,515
baseline
▲ 0.50% · 4.625%
HK$18,581
+HK$1,066/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$35,030/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,335
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,827
−HK$499/mo
Today · 4.125%
HK$19,326
baseline
▲ 0.50% · 4.625%
HK$20,345
+HK$1,019/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,652/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,778
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,393
−HK$625/mo
Today · 4.125%
HK$21,018
baseline
▲ 0.50% · 4.625%
HK$22,297
+HK$1,279/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,036/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,002
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,593
−HK$598/mo
Today · 4.125%
HK$23,191
baseline
▲ 0.50% · 4.625%
HK$24,414
+HK$1,223/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,382/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,074
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,792
−HK$729/mo
Today · 4.125%
HK$24,521
baseline
▲ 0.50% · 4.625%
HK$26,013
+HK$1,492/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,042/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,670
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,358
−HK$698/mo
Today · 4.125%
HK$27,056
baseline
▲ 0.50% · 4.625%
HK$28,483
+HK$1,427/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,112/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,667
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,589
−HK$938/mo
Today · 4.125%
HK$31,527
baseline
▲ 0.50% · 4.625%
HK$33,445
+HK$1,918/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$63,054/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,004
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,889
−HK$898/mo
Today · 4.125%
HK$34,787
baseline
▲ 0.50% · 4.625%
HK$36,620
+HK$1,833/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$69,574/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,837 · 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).