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$16,545
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,060
−HK$523/mo
Today · 4.125%
HK$17,583
baseline
▲ 0.50% · 4.625%
HK$18,652
+HK$1,069/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,166/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,406
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,900
−HK$501/mo
Today · 4.125%
HK$19,401
baseline
▲ 0.50% · 4.625%
HK$20,423
+HK$1,022/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,802/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,854
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,472
−HK$627/mo
Today · 4.125%
HK$21,099
baseline
▲ 0.50% · 4.625%
HK$22,383
+HK$1,284/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,198/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,088
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,680
−HK$601/mo
Today · 4.125%
HK$23,281
baseline
▲ 0.50% · 4.625%
HK$24,508
+HK$1,227/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,562/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,163
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,884
−HK$732/mo
Today · 4.125%
HK$24,616
baseline
▲ 0.50% · 4.625%
HK$26,113
+HK$1,497/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,232/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,769
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,460
−HK$701/mo
Today · 4.125%
HK$27,161
baseline
▲ 0.50% · 4.625%
HK$28,593
+HK$1,432/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,322/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,781
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,708
−HK$941/mo
Today · 4.125%
HK$31,649
baseline
▲ 0.50% · 4.625%
HK$33,574
+HK$1,925/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$63,298/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,131
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,020
−HK$901/mo
Today · 4.125%
HK$34,921
baseline
▲ 0.50% · 4.625%
HK$36,762
+HK$1,841/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$69,842/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,675 · 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).