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$16,555
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,070
−HK$523/mo
Today · 4.125%
HK$17,593
baseline
▲ 0.50% · 4.625%
HK$18,664
+HK$1,071/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,186/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,417
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,911
−HK$501/mo
Today · 4.125%
HK$19,412
baseline
▲ 0.50% · 4.625%
HK$20,436
+HK$1,024/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,824/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,866
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,484
−HK$628/mo
Today · 4.125%
HK$21,112
baseline
▲ 0.50% · 4.625%
HK$22,396
+HK$1,284/mo
Deposit HK$2.90M · loan HK$4.36M · min. income ≈ HK$42,224/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,101
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,694
−HK$601/mo
Today · 4.125%
HK$23,295
baseline
▲ 0.50% · 4.625%
HK$24,523
+HK$1,228/mo
Deposit HK$2.90M · loan HK$4.36M · min. income ≈ HK$46,590/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,177
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,898
−HK$732/mo
Today · 4.125%
HK$24,630
baseline
▲ 0.50% · 4.625%
HK$26,129
+HK$1,499/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,260/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,784
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,476
−HK$701/mo
Today · 4.125%
HK$27,177
baseline
▲ 0.50% · 4.625%
HK$28,610
+HK$1,433/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,354/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,799
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,726
−HK$942/mo
Today · 4.125%
HK$31,668
baseline
▲ 0.50% · 4.625%
HK$33,595
+HK$1,927/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$63,336/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,151
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,040
−HK$902/mo
Today · 4.125%
HK$34,942
baseline
▲ 0.50% · 4.625%
HK$36,784
+HK$1,842/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$69,884/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,806 · 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).