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$16,581
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,097
−HK$524/mo
Today · 4.125%
HK$17,621
baseline
▲ 0.50% · 4.625%
HK$18,693
+HK$1,072/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,242/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,446
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,941
−HK$502/mo
Today · 4.125%
HK$19,443
baseline
▲ 0.50% · 4.625%
HK$20,467
+HK$1,024/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,886/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,897
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,516
−HK$629/mo
Today · 4.125%
HK$21,145
baseline
▲ 0.50% · 4.625%
HK$22,431
+HK$1,286/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,290/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,135
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,729
−HK$602/mo
Today · 4.125%
HK$23,331
baseline
▲ 0.50% · 4.625%
HK$24,561
+HK$1,230/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,662/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,213
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,935
−HK$734/mo
Today · 4.125%
HK$24,669
baseline
▲ 0.50% · 4.625%
HK$26,170
+HK$1,501/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,338/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,824
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,517
−HK$703/mo
Today · 4.125%
HK$27,220
baseline
▲ 0.50% · 4.625%
HK$28,654
+HK$1,434/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,440/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,846
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,774
−HK$943/mo
Today · 4.125%
HK$31,717
baseline
▲ 0.50% · 4.625%
HK$33,647
+HK$1,930/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$63,434/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,203
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,093
−HK$904/mo
Today · 4.125%
HK$34,997
baseline
▲ 0.50% · 4.625%
HK$36,841
+HK$1,844/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$69,994/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,145 · 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).