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$16,498
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,011
−HK$522/mo
Today · 4.125%
HK$17,533
baseline
▲ 0.50% · 4.625%
HK$18,599
+HK$1,066/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,066/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$217,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,354
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,846
−HK$499/mo
Today · 4.125%
HK$19,345
baseline
▲ 0.50% · 4.625%
HK$20,365
+HK$1,020/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,690/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$217,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,798
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,413
−HK$626/mo
Today · 4.125%
HK$21,039
baseline
▲ 0.50% · 4.625%
HK$22,319
+HK$1,280/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,078/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,025
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,615
−HK$599/mo
Today · 4.125%
HK$23,214
baseline
▲ 0.50% · 4.625%
HK$24,438
+HK$1,224/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,428/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,097
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,816
−HK$730/mo
Today · 4.125%
HK$24,546
baseline
▲ 0.50% · 4.625%
HK$26,039
+HK$1,493/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,092/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,695
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,384
−HK$700/mo
Today · 4.125%
HK$27,084
baseline
▲ 0.50% · 4.625%
HK$28,511
+HK$1,427/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,168/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,696
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,620
−HK$939/mo
Today · 4.125%
HK$31,559
baseline
▲ 0.50% · 4.625%
HK$33,479
+HK$1,920/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$63,118/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,037
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,923
−HK$899/mo
Today · 4.125%
HK$34,822
baseline
▲ 0.50% · 4.625%
HK$36,657
+HK$1,835/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$69,644/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,054 · 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).