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$16,741
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,261
−HK$529/mo
Today · 4.125%
HK$17,790
baseline
▲ 0.50% · 4.625%
HK$18,873
+HK$1,083/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,580/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,624
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,123
−HK$507/mo
Today · 4.125%
HK$19,630
baseline
▲ 0.50% · 4.625%
HK$20,665
+HK$1,035/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,260/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,089
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,714
−HK$634/mo
Today · 4.125%
HK$21,348
baseline
▲ 0.50% · 4.625%
HK$22,647
+HK$1,299/mo
Deposit HK$2.94M · loan HK$4.40M · min. income ≈ HK$42,696/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,348
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,948
−HK$608/mo
Today · 4.125%
HK$23,556
baseline
▲ 0.50% · 4.625%
HK$24,797
+HK$1,241/mo
Deposit HK$2.94M · loan HK$4.40M · min. income ≈ HK$47,112/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,437
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,166
−HK$740/mo
Today · 4.125%
HK$24,906
baseline
▲ 0.50% · 4.625%
HK$26,422
+HK$1,516/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,812/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,073
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,772
−HK$710/mo
Today · 4.125%
HK$27,482
baseline
▲ 0.50% · 4.625%
HK$28,930
+HK$1,448/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,964/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,133
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,070
−HK$953/mo
Today · 4.125%
HK$32,023
baseline
▲ 0.50% · 4.625%
HK$33,971
+HK$1,948/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$64,046/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,523
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,422
−HK$912/mo
Today · 4.125%
HK$35,334
baseline
▲ 0.50% · 4.625%
HK$37,196
+HK$1,862/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$70,668/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,246 · 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).