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$16,655
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,173
−HK$526/mo
Today · 4.125%
HK$17,699
baseline
▲ 0.50% · 4.625%
HK$18,776
+HK$1,077/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,398/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,529
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,025
−HK$505/mo
Today · 4.125%
HK$19,530
baseline
▲ 0.50% · 4.625%
HK$20,559
+HK$1,029/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,060/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,986
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,608
−HK$631/mo
Today · 4.125%
HK$21,239
baseline
▲ 0.50% · 4.625%
HK$22,532
+HK$1,293/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,478/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,234
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,831
−HK$605/mo
Today · 4.125%
HK$23,436
baseline
▲ 0.50% · 4.625%
HK$24,671
+HK$1,235/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,872/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,317
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,042
−HK$737/mo
Today · 4.125%
HK$24,779
baseline
▲ 0.50% · 4.625%
HK$26,287
+HK$1,508/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,558/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,940
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,636
−HK$705/mo
Today · 4.125%
HK$27,341
baseline
▲ 0.50% · 4.625%
HK$28,783
+HK$1,442/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,682/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,979
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,912
−HK$947/mo
Today · 4.125%
HK$31,859
baseline
▲ 0.50% · 4.625%
HK$33,798
+HK$1,939/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$63,718/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,351
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,246
−HK$907/mo
Today · 4.125%
HK$35,153
baseline
▲ 0.50% · 4.625%
HK$37,006
+HK$1,853/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$70,306/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,121 · 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).