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$16,759
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,280
−HK$530/mo
Today · 4.125%
HK$17,810
baseline
▲ 0.50% · 4.625%
HK$18,893
+HK$1,083/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,620/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,644
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,144
−HK$507/mo
Today · 4.125%
HK$19,651
baseline
▲ 0.50% · 4.625%
HK$20,687
+HK$1,036/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,302/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,111
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,736
−HK$636/mo
Today · 4.125%
HK$21,372
baseline
▲ 0.50% · 4.625%
HK$22,672
+HK$1,300/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,744/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,373
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,973
−HK$609/mo
Today · 4.125%
HK$23,582
baseline
▲ 0.50% · 4.625%
HK$24,825
+HK$1,243/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,164/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,462
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,192
−HK$742/mo
Today · 4.125%
HK$24,934
baseline
▲ 0.50% · 4.625%
HK$26,451
+HK$1,517/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,868/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,102
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,802
−HK$710/mo
Today · 4.125%
HK$27,512
baseline
▲ 0.50% · 4.625%
HK$28,962
+HK$1,450/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$55,024/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,166
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,104
−HK$954/mo
Today · 4.125%
HK$32,058
baseline
▲ 0.50% · 4.625%
HK$34,008
+HK$1,950/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$64,116/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,559
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,459
−HK$913/mo
Today · 4.125%
HK$35,372
baseline
▲ 0.50% · 4.625%
HK$37,237
+HK$1,865/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$70,744/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,487 · 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).