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$16,522
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,036
−HK$522/mo
Today · 4.125%
HK$17,558
baseline
▲ 0.50% · 4.625%
HK$18,627
+HK$1,069/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,116/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,381
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,874
−HK$500/mo
Today · 4.125%
HK$19,374
baseline
▲ 0.50% · 4.625%
HK$20,395
+HK$1,021/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,748/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,827
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,444
−HK$626/mo
Today · 4.125%
HK$21,070
baseline
▲ 0.50% · 4.625%
HK$22,352
+HK$1,282/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,140/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,057
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,649
−HK$600/mo
Today · 4.125%
HK$23,249
baseline
▲ 0.50% · 4.625%
HK$24,474
+HK$1,225/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,498/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,131
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,851
−HK$731/mo
Today · 4.125%
HK$24,582
baseline
▲ 0.50% · 4.625%
HK$26,078
+HK$1,496/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,164/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,733
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,423
−HK$701/mo
Today · 4.125%
HK$27,124
baseline
▲ 0.50% · 4.625%
HK$28,553
+HK$1,429/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,248/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,740
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,665
−HK$940/mo
Today · 4.125%
HK$31,605
baseline
▲ 0.50% · 4.625%
HK$33,528
+HK$1,923/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$63,210/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,086
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,973
−HK$900/mo
Today · 4.125%
HK$34,873
baseline
▲ 0.50% · 4.625%
HK$36,711
+HK$1,838/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$69,746/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,375 · 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).