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$16,591
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,107
−HK$524/mo
Today · 4.125%
HK$17,631
baseline
▲ 0.50% · 4.625%
HK$18,704
+HK$1,073/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,262/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,457
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,952
−HK$502/mo
Today · 4.125%
HK$19,454
baseline
▲ 0.50% · 4.625%
HK$20,480
+HK$1,026/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,908/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,909
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,528
−HK$629/mo
Today · 4.125%
HK$21,157
baseline
▲ 0.50% · 4.625%
HK$22,445
+HK$1,288/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,314/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,148
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,742
−HK$603/mo
Today · 4.125%
HK$23,345
baseline
▲ 0.50% · 4.625%
HK$24,576
+HK$1,231/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,690/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,227
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,950
−HK$734/mo
Today · 4.125%
HK$24,684
baseline
▲ 0.50% · 4.625%
HK$26,186
+HK$1,502/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,368/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,840
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,533
−HK$703/mo
Today · 4.125%
HK$27,236
baseline
▲ 0.50% · 4.625%
HK$28,672
+HK$1,436/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,472/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,863
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,792
−HK$944/mo
Today · 4.125%
HK$31,736
baseline
▲ 0.50% · 4.625%
HK$33,667
+HK$1,931/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$63,472/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,223
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,114
−HK$904/mo
Today · 4.125%
HK$35,018
baseline
▲ 0.50% · 4.625%
HK$36,863
+HK$1,845/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$70,036/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,275 · 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).