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$16,768
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,290
−HK$530/mo
Today · 4.125%
HK$17,820
baseline
▲ 0.50% · 4.625%
HK$18,904
+HK$1,084/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,640/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,655
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,155
−HK$508/mo
Today · 4.125%
HK$19,663
baseline
▲ 0.50% · 4.625%
HK$20,699
+HK$1,036/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,326/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,122
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,748
−HK$636/mo
Today · 4.125%
HK$21,384
baseline
▲ 0.50% · 4.625%
HK$22,685
+HK$1,301/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,768/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,386
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,986
−HK$609/mo
Today · 4.125%
HK$23,595
baseline
▲ 0.50% · 4.625%
HK$24,839
+HK$1,244/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,190/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,476
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,206
−HK$742/mo
Today · 4.125%
HK$24,948
baseline
▲ 0.50% · 4.625%
HK$26,466
+HK$1,518/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,896/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,117
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,817
−HK$711/mo
Today · 4.125%
HK$27,528
baseline
▲ 0.50% · 4.625%
HK$28,979
+HK$1,451/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,056/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,183
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,122
−HK$954/mo
Today · 4.125%
HK$32,076
baseline
▲ 0.50% · 4.625%
HK$34,028
+HK$1,952/mo
Deposit HK$735K · loan HK$6.62M · min. income ≈ HK$64,152/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,578
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,479
−HK$914/mo
Today · 4.125%
HK$35,393
baseline
▲ 0.50% · 4.625%
HK$37,258
+HK$1,865/mo
Deposit HK$735K · loan HK$6.62M · min. income ≈ HK$70,786/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,612 · 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).