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$16,769
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,291
−HK$530/mo
Today · 4.125%
HK$17,821
baseline
▲ 0.50% · 4.625%
HK$18,905
+HK$1,084/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,642/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,656
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,156
−HK$507/mo
Today · 4.125%
HK$19,663
baseline
▲ 0.50% · 4.625%
HK$20,700
+HK$1,037/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,326/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,123
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,749
−HK$636/mo
Today · 4.125%
HK$21,385
baseline
▲ 0.50% · 4.625%
HK$22,686
+HK$1,301/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,770/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,387
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,987
−HK$609/mo
Today · 4.125%
HK$23,596
baseline
▲ 0.50% · 4.625%
HK$24,840
+HK$1,244/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,192/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,477
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,207
−HK$742/mo
Today · 4.125%
HK$24,949
baseline
▲ 0.50% · 4.625%
HK$26,467
+HK$1,518/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,898/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,118
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,818
−HK$711/mo
Today · 4.125%
HK$27,529
baseline
▲ 0.50% · 4.625%
HK$28,980
+HK$1,451/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,058/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,184
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,123
−HK$954/mo
Today · 4.125%
HK$32,077
baseline
▲ 0.50% · 4.625%
HK$34,029
+HK$1,952/mo
Deposit HK$735K · loan HK$6.62M · min. income ≈ HK$64,154/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,580
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,481
−HK$913/mo
Today · 4.125%
HK$35,394
baseline
▲ 0.50% · 4.625%
HK$37,260
+HK$1,866/mo
Deposit HK$735K · loan HK$6.62M · min. income ≈ HK$70,788/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,623 · 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).