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$16,784
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,306
−HK$531/mo
Today · 4.125%
HK$17,837
baseline
▲ 0.50% · 4.625%
HK$18,922
+HK$1,085/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,674/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,672
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,173
−HK$508/mo
Today · 4.125%
HK$19,681
baseline
▲ 0.50% · 4.625%
HK$20,719
+HK$1,038/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,362/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,141
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,768
−HK$636/mo
Today · 4.125%
HK$21,404
baseline
▲ 0.50% · 4.625%
HK$22,707
+HK$1,303/mo
Deposit HK$2.94M · loan HK$4.42M · min. income ≈ HK$42,808/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,407
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$23,008
−HK$609/mo
Today · 4.125%
HK$23,617
baseline
▲ 0.50% · 4.625%
HK$24,862
+HK$1,245/mo
Deposit HK$2.94M · loan HK$4.42M · min. income ≈ HK$47,234/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,498
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,229
−HK$743/mo
Today · 4.125%
HK$24,972
baseline
▲ 0.50% · 4.625%
HK$26,491
+HK$1,519/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,944/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,141
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,842
−HK$712/mo
Today · 4.125%
HK$27,554
baseline
▲ 0.50% · 4.625%
HK$29,006
+HK$1,452/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,108/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,212
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,151
−HK$955/mo
Today · 4.125%
HK$32,106
baseline
▲ 0.50% · 4.625%
HK$34,060
+HK$1,954/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$64,212/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,610
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,512
−HK$914/mo
Today · 4.125%
HK$35,426
baseline
▲ 0.50% · 4.625%
HK$37,293
+HK$1,867/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$70,852/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,821 · 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).