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$16,847
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,371
−HK$533/mo
Today · 4.125%
HK$17,904
baseline
▲ 0.50% · 4.625%
HK$18,993
+HK$1,089/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,808/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,742
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,245
−HK$510/mo
Today · 4.125%
HK$19,755
baseline
▲ 0.50% · 4.625%
HK$20,796
+HK$1,041/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,510/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,217
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,846
−HK$639/mo
Today · 4.125%
HK$21,485
baseline
▲ 0.50% · 4.625%
HK$22,792
+HK$1,307/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$42,970/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,491
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,094
−HK$612/mo
Today · 4.125%
HK$23,706
baseline
▲ 0.50% · 4.625%
HK$24,956
+HK$1,250/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$47,412/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,586
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,320
−HK$745/mo
Today · 4.125%
HK$25,065
baseline
▲ 0.50% · 4.625%
HK$26,590
+HK$1,525/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$50,130/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,239
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,943
−HK$714/mo
Today · 4.125%
HK$27,657
baseline
▲ 0.50% · 4.625%
HK$29,115
+HK$1,458/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$55,314/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,325
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,268
−HK$959/mo
Today · 4.125%
HK$32,227
baseline
▲ 0.50% · 4.625%
HK$34,188
+HK$1,961/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,454/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,736
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,641
−HK$918/mo
Today · 4.125%
HK$35,559
baseline
▲ 0.50% · 4.625%
HK$37,433
+HK$1,874/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,118/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,650 · 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).