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$16,805
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,328
−HK$531/mo
Today · 4.125%
HK$17,859
baseline
▲ 0.50% · 4.625%
HK$18,946
+HK$1,087/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,718/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,696
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,197
−HK$509/mo
Today · 4.125%
HK$19,706
baseline
▲ 0.50% · 4.625%
HK$20,744
+HK$1,038/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,412/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,166
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,793
−HK$638/mo
Today · 4.125%
HK$21,431
baseline
▲ 0.50% · 4.625%
HK$22,735
+HK$1,304/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,862/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,435
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,036
−HK$611/mo
Today · 4.125%
HK$23,647
baseline
▲ 0.50% · 4.625%
HK$24,893
+HK$1,246/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,294/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,527
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,259
−HK$744/mo
Today · 4.125%
HK$25,003
baseline
▲ 0.50% · 4.625%
HK$26,524
+HK$1,521/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$50,006/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,174
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,876
−HK$712/mo
Today · 4.125%
HK$27,588
baseline
▲ 0.50% · 4.625%
HK$29,042
+HK$1,454/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,176/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,249
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,190
−HK$956/mo
Today · 4.125%
HK$32,146
baseline
▲ 0.50% · 4.625%
HK$34,102
+HK$1,956/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$64,292/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,652
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,554
−HK$916/mo
Today · 4.125%
HK$35,470
baseline
▲ 0.50% · 4.625%
HK$37,340
+HK$1,870/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$70,940/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,095 · 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).