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$16,589
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,105
−HK$524/mo
Today · 4.125%
HK$17,629
baseline
▲ 0.50% · 4.625%
HK$18,702
+HK$1,073/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,258/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,455
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,950
−HK$502/mo
Today · 4.125%
HK$19,452
baseline
▲ 0.50% · 4.625%
HK$20,478
+HK$1,026/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,904/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,907
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,526
−HK$629/mo
Today · 4.125%
HK$21,155
baseline
▲ 0.50% · 4.625%
HK$22,442
+HK$1,287/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,310/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,146
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,740
−HK$603/mo
Today · 4.125%
HK$23,343
baseline
▲ 0.50% · 4.625%
HK$24,573
+HK$1,230/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,686/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,225
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,947
−HK$734/mo
Today · 4.125%
HK$24,681
baseline
▲ 0.50% · 4.625%
HK$26,183
+HK$1,502/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,362/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,837
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,530
−HK$703/mo
Today · 4.125%
HK$27,233
baseline
▲ 0.50% · 4.625%
HK$28,669
+HK$1,436/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,466/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,860
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,789
−HK$944/mo
Today · 4.125%
HK$31,733
baseline
▲ 0.50% · 4.625%
HK$33,664
+HK$1,931/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$63,466/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,219
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,110
−HK$904/mo
Today · 4.125%
HK$35,014
baseline
▲ 0.50% · 4.625%
HK$36,860
+HK$1,846/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$70,028/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,252 · 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).