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$16,580
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,096
−HK$524/mo
Today · 4.125%
HK$17,620
baseline
▲ 0.50% · 4.625%
HK$18,692
+HK$1,072/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,240/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,445
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,940
−HK$502/mo
Today · 4.125%
HK$19,442
baseline
▲ 0.50% · 4.625%
HK$20,467
+HK$1,025/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,884/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,896
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,515
−HK$629/mo
Today · 4.125%
HK$21,144
baseline
▲ 0.50% · 4.625%
HK$22,430
+HK$1,286/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,288/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,134
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,728
−HK$602/mo
Today · 4.125%
HK$23,330
baseline
▲ 0.50% · 4.625%
HK$24,560
+HK$1,230/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,660/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,212
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,934
−HK$734/mo
Today · 4.125%
HK$24,668
baseline
▲ 0.50% · 4.625%
HK$26,169
+HK$1,501/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,336/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,823
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,516
−HK$702/mo
Today · 4.125%
HK$27,218
baseline
▲ 0.50% · 4.625%
HK$28,653
+HK$1,435/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,436/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,844
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,772
−HK$944/mo
Today · 4.125%
HK$31,716
baseline
▲ 0.50% · 4.625%
HK$33,645
+HK$1,929/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$63,432/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,201
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,092
−HK$903/mo
Today · 4.125%
HK$34,995
baseline
▲ 0.50% · 4.625%
HK$36,840
+HK$1,845/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$69,990/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,135 · 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).