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$16,514
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,027
−HK$522/mo
Today · 4.125%
HK$17,549
baseline
▲ 0.50% · 4.625%
HK$18,617
+HK$1,068/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,098/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,371
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,864
−HK$500/mo
Today · 4.125%
HK$19,364
baseline
▲ 0.50% · 4.625%
HK$20,385
+HK$1,021/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,728/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,816
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,433
−HK$626/mo
Today · 4.125%
HK$21,059
baseline
▲ 0.50% · 4.625%
HK$22,341
+HK$1,282/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,118/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,046
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,637
−HK$600/mo
Today · 4.125%
HK$23,237
baseline
▲ 0.50% · 4.625%
HK$24,461
+HK$1,224/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,474/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,119
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,838
−HK$731/mo
Today · 4.125%
HK$24,569
baseline
▲ 0.50% · 4.625%
HK$26,064
+HK$1,495/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,138/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,720
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,410
−HK$699/mo
Today · 4.125%
HK$27,109
baseline
▲ 0.50% · 4.625%
HK$28,538
+HK$1,429/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,218/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,725
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,649
−HK$940/mo
Today · 4.125%
HK$31,589
baseline
▲ 0.50% · 4.625%
HK$33,511
+HK$1,922/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$63,178/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,068
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,955
−HK$900/mo
Today · 4.125%
HK$34,855
baseline
▲ 0.50% · 4.625%
HK$36,692
+HK$1,837/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$69,710/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,262 · 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).