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$16,786
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,308
−HK$531/mo
Today · 4.125%
HK$17,839
baseline
▲ 0.50% · 4.625%
HK$18,924
+HK$1,085/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,678/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,675
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,175
−HK$508/mo
Today · 4.125%
HK$19,683
baseline
▲ 0.50% · 4.625%
HK$20,721
+HK$1,038/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,366/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,143
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,770
−HK$637/mo
Today · 4.125%
HK$21,407
baseline
▲ 0.50% · 4.625%
HK$22,709
+HK$1,302/mo
Deposit HK$2.94M · loan HK$4.42M · min. income ≈ HK$42,814/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,409
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,010
−HK$610/mo
Today · 4.125%
HK$23,620
baseline
▲ 0.50% · 4.625%
HK$24,865
+HK$1,245/mo
Deposit HK$2.94M · loan HK$4.42M · min. income ≈ HK$47,240/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,501
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,232
−HK$742/mo
Today · 4.125%
HK$24,974
baseline
▲ 0.50% · 4.625%
HK$26,494
+HK$1,520/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,948/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,144
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,846
−HK$711/mo
Today · 4.125%
HK$27,557
baseline
▲ 0.50% · 4.625%
HK$29,009
+HK$1,452/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,114/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,215
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,155
−HK$955/mo
Today · 4.125%
HK$32,110
baseline
▲ 0.50% · 4.625%
HK$34,064
+HK$1,954/mo
Deposit HK$736K · loan HK$6.63M · min. income ≈ HK$64,220/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,614
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,516
−HK$914/mo
Today · 4.125%
HK$35,430
baseline
▲ 0.50% · 4.625%
HK$37,298
+HK$1,868/mo
Deposit HK$736K · loan HK$6.63M · min. income ≈ HK$70,860/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,847 · 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).