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$16,450
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,962
−HK$520/mo
Today · 4.125%
HK$17,482
baseline
▲ 0.50% · 4.625%
HK$18,546
+HK$1,064/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,964/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,301
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,792
−HK$498/mo
Today · 4.125%
HK$19,290
baseline
▲ 0.50% · 4.625%
HK$20,306
+HK$1,016/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,580/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,740
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,354
−HK$624/mo
Today · 4.125%
HK$20,978
baseline
▲ 0.50% · 4.625%
HK$22,255
+HK$1,277/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,956/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,961
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,550
−HK$597/mo
Today · 4.125%
HK$23,147
baseline
▲ 0.50% · 4.625%
HK$24,368
+HK$1,221/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,294/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,030
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,747
−HK$728/mo
Today · 4.125%
HK$24,475
baseline
▲ 0.50% · 4.625%
HK$25,964
+HK$1,489/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,950/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,621
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,308
−HK$697/mo
Today · 4.125%
HK$27,005
baseline
▲ 0.50% · 4.625%
HK$28,429
+HK$1,424/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$54,010/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,611
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,532
−HK$935/mo
Today · 4.125%
HK$31,467
baseline
▲ 0.50% · 4.625%
HK$33,382
+HK$1,915/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,934/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,941
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,825
−HK$896/mo
Today · 4.125%
HK$34,721
baseline
▲ 0.50% · 4.625%
HK$36,551
+HK$1,830/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,442/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,428 · 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).