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$16,776
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,298
−HK$530/mo
Today · 4.125%
HK$17,828
baseline
▲ 0.50% · 4.625%
HK$18,913
+HK$1,085/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,656/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,663
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,163
−HK$508/mo
Today · 4.125%
HK$19,671
baseline
▲ 0.50% · 4.625%
HK$20,708
+HK$1,037/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,342/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,131
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,757
−HK$636/mo
Today · 4.125%
HK$21,393
baseline
▲ 0.50% · 4.625%
HK$22,695
+HK$1,302/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,786/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,395
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,996
−HK$609/mo
Today · 4.125%
HK$23,605
baseline
▲ 0.50% · 4.625%
HK$24,850
+HK$1,245/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,210/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,486
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,217
−HK$742/mo
Today · 4.125%
HK$24,959
baseline
▲ 0.50% · 4.625%
HK$26,478
+HK$1,519/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,918/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,128
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,829
−HK$711/mo
Today · 4.125%
HK$27,540
baseline
▲ 0.50% · 4.625%
HK$28,991
+HK$1,451/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,080/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,196
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,136
−HK$954/mo
Today · 4.125%
HK$32,090
baseline
▲ 0.50% · 4.625%
HK$34,043
+HK$1,953/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$64,180/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,593
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,494
−HK$914/mo
Today · 4.125%
HK$35,408
baseline
▲ 0.50% · 4.625%
HK$37,274
+HK$1,866/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$70,816/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,709 · 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).