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$16,562
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,077
−HK$524/mo
Today · 4.125%
HK$17,601
baseline
▲ 0.50% · 4.625%
HK$18,671
+HK$1,070/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,202/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,425
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,919
−HK$501/mo
Today · 4.125%
HK$19,420
baseline
▲ 0.50% · 4.625%
HK$20,444
+HK$1,024/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,840/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,874
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,493
−HK$628/mo
Today · 4.125%
HK$21,121
baseline
▲ 0.50% · 4.625%
HK$22,406
+HK$1,285/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,242/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,110
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,703
−HK$602/mo
Today · 4.125%
HK$23,305
baseline
▲ 0.50% · 4.625%
HK$24,533
+HK$1,228/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,610/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,187
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,908
−HK$733/mo
Today · 4.125%
HK$24,641
baseline
▲ 0.50% · 4.625%
HK$26,140
+HK$1,499/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,282/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,795
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,487
−HK$702/mo
Today · 4.125%
HK$27,189
baseline
▲ 0.50% · 4.625%
HK$28,622
+HK$1,433/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,378/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,811
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,739
−HK$942/mo
Today · 4.125%
HK$31,681
baseline
▲ 0.50% · 4.625%
HK$33,609
+HK$1,928/mo
Deposit HK$726K · loan HK$6.54M · min. income ≈ HK$63,362/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,165
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,054
−HK$903/mo
Today · 4.125%
HK$34,957
baseline
▲ 0.50% · 4.625%
HK$36,799
+HK$1,842/mo
Deposit HK$726K · loan HK$6.54M · min. income ≈ HK$69,914/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,896 · 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).