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$16,726
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,246
−HK$529/mo
Today · 4.125%
HK$17,775
baseline
▲ 0.50% · 4.625%
HK$18,856
+HK$1,081/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,550/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,607
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,106
−HK$507/mo
Today · 4.125%
HK$19,613
baseline
▲ 0.50% · 4.625%
HK$20,647
+HK$1,034/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,226/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,071
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,695
−HK$635/mo
Today · 4.125%
HK$21,330
baseline
▲ 0.50% · 4.625%
HK$22,628
+HK$1,298/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,660/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$220,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,329
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,928
−HK$607/mo
Today · 4.125%
HK$23,535
baseline
▲ 0.50% · 4.625%
HK$24,776
+HK$1,241/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,070/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$220,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,416
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,145
−HK$740/mo
Today · 4.125%
HK$24,885
baseline
▲ 0.50% · 4.625%
HK$26,399
+HK$1,514/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,770/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,050
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,749
−HK$709/mo
Today · 4.125%
HK$27,458
baseline
▲ 0.50% · 4.625%
HK$28,905
+HK$1,447/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,916/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,107
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,043
−HK$952/mo
Today · 4.125%
HK$31,995
baseline
▲ 0.50% · 4.625%
HK$33,941
+HK$1,946/mo
Deposit HK$734K · loan HK$6.60M · min. income ≈ HK$63,990/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,493
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,392
−HK$911/mo
Today · 4.125%
HK$35,303
baseline
▲ 0.50% · 4.625%
HK$37,164
+HK$1,861/mo
Deposit HK$734K · loan HK$6.60M · min. income ≈ HK$70,606/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,053 · 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).