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$16,754
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,275
−HK$530/mo
Today · 4.125%
HK$17,805
baseline
▲ 0.50% · 4.625%
HK$18,888
+HK$1,083/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,610/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,639
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,139
−HK$507/mo
Today · 4.125%
HK$19,646
baseline
▲ 0.50% · 4.625%
HK$20,681
+HK$1,035/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,292/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,105
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,730
−HK$636/mo
Today · 4.125%
HK$21,366
baseline
▲ 0.50% · 4.625%
HK$22,666
+HK$1,300/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,732/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,367
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,967
−HK$608/mo
Today · 4.125%
HK$23,575
baseline
▲ 0.50% · 4.625%
HK$24,818
+HK$1,243/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,150/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,456
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,186
−HK$741/mo
Today · 4.125%
HK$24,927
baseline
▲ 0.50% · 4.625%
HK$26,444
+HK$1,517/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,854/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,094
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,794
−HK$710/mo
Today · 4.125%
HK$27,504
baseline
▲ 0.50% · 4.625%
HK$28,954
+HK$1,450/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$55,008/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,158
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,096
−HK$953/mo
Today · 4.125%
HK$32,049
baseline
▲ 0.50% · 4.625%
HK$33,999
+HK$1,950/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$64,098/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,550
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,450
−HK$913/mo
Today · 4.125%
HK$35,363
baseline
▲ 0.50% · 4.625%
HK$37,227
+HK$1,864/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$70,726/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,426 · 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).