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$1,045/mo
▼ 0.25% · 3.875%
HK$17,171
−HK$527/mo
Today · 4.125%
HK$17,698
baseline
▲ 0.50% · 4.625%
HK$18,774
+HK$1,076/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,396/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,527
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,023
−HK$505/mo
Today · 4.125%
HK$19,528
baseline
▲ 0.50% · 4.625%
HK$20,557
+HK$1,029/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,056/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,984
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,606
−HK$631/mo
Today · 4.125%
HK$21,237
baseline
▲ 0.50% · 4.625%
HK$22,529
+HK$1,292/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,474/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,232
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,828
−HK$605/mo
Today · 4.125%
HK$23,433
baseline
▲ 0.50% · 4.625%
HK$24,668
+HK$1,235/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,866/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,315
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,040
−HK$737/mo
Today · 4.125%
HK$24,777
baseline
▲ 0.50% · 4.625%
HK$26,284
+HK$1,507/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,554/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,937
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,633
−HK$706/mo
Today · 4.125%
HK$27,339
baseline
▲ 0.50% · 4.625%
HK$28,780
+HK$1,441/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,678/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,976
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,908
−HK$948/mo
Today · 4.125%
HK$31,856
baseline
▲ 0.50% · 4.625%
HK$33,794
+HK$1,938/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$63,712/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$219,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,348
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,242
−HK$908/mo
Today · 4.125%
HK$35,150
baseline
▲ 0.50% · 4.625%
HK$37,002
+HK$1,852/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$70,300/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$219,098 · 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).