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$16,787
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,309
−HK$531/mo
Today · 4.125%
HK$17,840
baseline
▲ 0.50% · 4.625%
HK$18,925
+HK$1,085/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,680/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,676
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,176
−HK$509/mo
Today · 4.125%
HK$19,685
baseline
▲ 0.50% · 4.625%
HK$20,722
+HK$1,037/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,370/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,145
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,771
−HK$637/mo
Today · 4.125%
HK$21,408
baseline
▲ 0.50% · 4.625%
HK$22,711
+HK$1,303/mo
Deposit HK$2.94M · loan HK$4.42M · min. income ≈ HK$42,816/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,411
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,012
−HK$610/mo
Today · 4.125%
HK$23,622
baseline
▲ 0.50% · 4.625%
HK$24,867
+HK$1,245/mo
Deposit HK$2.94M · loan HK$4.42M · min. income ≈ HK$47,244/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,502
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,233
−HK$743/mo
Today · 4.125%
HK$24,976
baseline
▲ 0.50% · 4.625%
HK$26,496
+HK$1,520/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,952/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,146
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,847
−HK$711/mo
Today · 4.125%
HK$27,558
baseline
▲ 0.50% · 4.625%
HK$29,011
+HK$1,453/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,116/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,217
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,157
−HK$955/mo
Today · 4.125%
HK$32,112
baseline
▲ 0.50% · 4.625%
HK$34,066
+HK$1,954/mo
Deposit HK$736K · loan HK$6.63M · min. income ≈ HK$64,224/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,616
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,518
−HK$914/mo
Today · 4.125%
HK$35,432
baseline
▲ 0.50% · 4.625%
HK$37,300
+HK$1,868/mo
Deposit HK$736K · loan HK$6.63M · min. income ≈ HK$70,864/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,860 · 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).