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$16,740
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,260
−HK$529/mo
Today · 4.125%
HK$17,789
baseline
▲ 0.50% · 4.625%
HK$18,872
+HK$1,083/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,578/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,623
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,122
−HK$507/mo
Today · 4.125%
HK$19,629
baseline
▲ 0.50% · 4.625%
HK$20,664
+HK$1,035/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,258/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,088
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,713
−HK$634/mo
Today · 4.125%
HK$21,347
baseline
▲ 0.50% · 4.625%
HK$22,646
+HK$1,299/mo
Deposit HK$2.94M · loan HK$4.40M · min. income ≈ HK$42,694/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,347
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,947
−HK$608/mo
Today · 4.125%
HK$23,555
baseline
▲ 0.50% · 4.625%
HK$24,796
+HK$1,241/mo
Deposit HK$2.94M · loan HK$4.40M · min. income ≈ HK$47,110/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,436
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,165
−HK$740/mo
Today · 4.125%
HK$24,905
baseline
▲ 0.50% · 4.625%
HK$26,421
+HK$1,516/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,810/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,072
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,771
−HK$710/mo
Today · 4.125%
HK$27,481
baseline
▲ 0.50% · 4.625%
HK$28,929
+HK$1,448/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,962/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,132
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,069
−HK$952/mo
Today · 4.125%
HK$32,021
baseline
▲ 0.50% · 4.625%
HK$33,969
+HK$1,948/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$64,042/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,521
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,420
−HK$912/mo
Today · 4.125%
HK$35,332
baseline
▲ 0.50% · 4.625%
HK$37,194
+HK$1,862/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$70,664/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,236 · 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).