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$16,749
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,270
−HK$529/mo
Today · 4.125%
HK$17,799
baseline
▲ 0.50% · 4.625%
HK$18,882
+HK$1,083/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,598/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,633
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,132
−HK$507/mo
Today · 4.125%
HK$19,639
baseline
▲ 0.50% · 4.625%
HK$20,674
+HK$1,035/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,278/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,098
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,723
−HK$636/mo
Today · 4.125%
HK$21,359
baseline
▲ 0.50% · 4.625%
HK$22,658
+HK$1,299/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,718/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,359
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,959
−HK$608/mo
Today · 4.125%
HK$23,567
baseline
▲ 0.50% · 4.625%
HK$24,809
+HK$1,242/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,134/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,448
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,177
−HK$741/mo
Today · 4.125%
HK$24,918
baseline
▲ 0.50% · 4.625%
HK$26,435
+HK$1,517/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,836/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,086
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,785
−HK$710/mo
Today · 4.125%
HK$27,495
baseline
▲ 0.50% · 4.625%
HK$28,944
+HK$1,449/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,990/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,147
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,085
−HK$953/mo
Today · 4.125%
HK$32,038
baseline
▲ 0.50% · 4.625%
HK$33,987
+HK$1,949/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$64,076/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,539
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,438
−HK$913/mo
Today · 4.125%
HK$35,351
baseline
▲ 0.50% · 4.625%
HK$37,214
+HK$1,863/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$70,702/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,351 · 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).