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$16,745
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,266
−HK$529/mo
Today · 4.125%
HK$17,795
baseline
▲ 0.50% · 4.625%
HK$18,878
+HK$1,083/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,590/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,629
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,128
−HK$507/mo
Today · 4.125%
HK$19,635
baseline
▲ 0.50% · 4.625%
HK$20,670
+HK$1,035/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,270/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,094
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,719
−HK$635/mo
Today · 4.125%
HK$21,354
baseline
▲ 0.50% · 4.625%
HK$22,654
+HK$1,300/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,708/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,354
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,954
−HK$608/mo
Today · 4.125%
HK$23,562
baseline
▲ 0.50% · 4.625%
HK$24,804
+HK$1,242/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,124/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,443
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,172
−HK$741/mo
Today · 4.125%
HK$24,913
baseline
▲ 0.50% · 4.625%
HK$26,429
+HK$1,516/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,826/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,080
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,780
−HK$709/mo
Today · 4.125%
HK$27,489
baseline
▲ 0.50% · 4.625%
HK$28,938
+HK$1,449/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,978/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,141
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,079
−HK$952/mo
Today · 4.125%
HK$32,031
baseline
▲ 0.50% · 4.625%
HK$33,980
+HK$1,949/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$64,062/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,532
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,431
−HK$912/mo
Today · 4.125%
HK$35,343
baseline
▲ 0.50% · 4.625%
HK$37,206
+HK$1,863/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$70,686/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,306 · 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).