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$16,619
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,136
−HK$525/mo
Today · 4.125%
HK$17,661
baseline
▲ 0.50% · 4.625%
HK$18,736
+HK$1,075/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,322/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,489
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,984
−HK$503/mo
Today · 4.125%
HK$19,487
baseline
▲ 0.50% · 4.625%
HK$20,515
+HK$1,028/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,974/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,943
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,563
−HK$631/mo
Today · 4.125%
HK$21,194
baseline
▲ 0.50% · 4.625%
HK$22,483
+HK$1,289/mo
Deposit HK$2.92M · loan HK$4.37M · min. income ≈ HK$42,388/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,186
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,781
−HK$604/mo
Today · 4.125%
HK$23,385
baseline
▲ 0.50% · 4.625%
HK$24,618
+HK$1,233/mo
Deposit HK$2.92M · loan HK$4.37M · min. income ≈ HK$46,770/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,267
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,990
−HK$736/mo
Today · 4.125%
HK$24,726
baseline
▲ 0.50% · 4.625%
HK$26,230
+HK$1,504/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$49,452/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,884
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,578
−HK$704/mo
Today · 4.125%
HK$27,282
baseline
▲ 0.50% · 4.625%
HK$28,721
+HK$1,439/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$54,564/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,914
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,845
−HK$945/mo
Today · 4.125%
HK$31,790
baseline
▲ 0.50% · 4.625%
HK$33,725
+HK$1,935/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$63,580/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,279
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,172
−HK$905/mo
Today · 4.125%
HK$35,077
baseline
▲ 0.50% · 4.625%
HK$36,926
+HK$1,849/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$70,154/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,648 · 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).