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$16,653
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,171
−HK$526/mo
Today · 4.125%
HK$17,697
baseline
▲ 0.50% · 4.625%
HK$18,774
+HK$1,077/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,394/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,526
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,023
−HK$504/mo
Today · 4.125%
HK$19,527
baseline
▲ 0.50% · 4.625%
HK$20,556
+HK$1,029/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,054/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,983
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,605
−HK$631/mo
Today · 4.125%
HK$21,236
baseline
▲ 0.50% · 4.625%
HK$22,529
+HK$1,293/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,472/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,231
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,827
−HK$605/mo
Today · 4.125%
HK$23,432
baseline
▲ 0.50% · 4.625%
HK$24,667
+HK$1,235/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,864/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,314
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,039
−HK$737/mo
Today · 4.125%
HK$24,776
baseline
▲ 0.50% · 4.625%
HK$26,283
+HK$1,507/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,552/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,936
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,632
−HK$706/mo
Today · 4.125%
HK$27,338
baseline
▲ 0.50% · 4.625%
HK$28,779
+HK$1,441/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,676/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,975
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,907
−HK$948/mo
Today · 4.125%
HK$31,855
baseline
▲ 0.50% · 4.625%
HK$33,793
+HK$1,938/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$63,710/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$219,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,347
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,241
−HK$907/mo
Today · 4.125%
HK$35,148
baseline
▲ 0.50% · 4.625%
HK$37,001
+HK$1,853/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$70,296/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$219,091 · 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).