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$16,506
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,019
−HK$522/mo
Today · 4.125%
HK$17,541
baseline
▲ 0.50% · 4.625%
HK$18,608
+HK$1,067/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,082/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,363
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,855
−HK$500/mo
Today · 4.125%
HK$19,355
baseline
▲ 0.50% · 4.625%
HK$20,375
+HK$1,020/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,710/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,807
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,423
−HK$626/mo
Today · 4.125%
HK$21,049
baseline
▲ 0.50% · 4.625%
HK$22,330
+HK$1,281/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$42,098/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,035
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,626
−HK$599/mo
Today · 4.125%
HK$23,225
baseline
▲ 0.50% · 4.625%
HK$24,450
+HK$1,225/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$46,450/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,108
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,827
−HK$730/mo
Today · 4.125%
HK$24,557
baseline
▲ 0.50% · 4.625%
HK$26,051
+HK$1,494/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,114/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,708
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,397
−HK$699/mo
Today · 4.125%
HK$27,096
baseline
▲ 0.50% · 4.625%
HK$28,525
+HK$1,429/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,192/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,710
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,635
−HK$938/mo
Today · 4.125%
HK$31,573
baseline
▲ 0.50% · 4.625%
HK$33,495
+HK$1,922/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$63,146/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,053
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,939
−HK$899/mo
Today · 4.125%
HK$34,838
baseline
▲ 0.50% · 4.625%
HK$36,675
+HK$1,837/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$69,676/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,157 · 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).