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$16,689
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,208
−HK$527/mo
Today · 4.125%
HK$17,735
baseline
▲ 0.50% · 4.625%
HK$18,815
+HK$1,080/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,470/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,566
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,064
−HK$505/mo
Today · 4.125%
HK$19,569
baseline
▲ 0.50% · 4.625%
HK$20,601
+HK$1,032/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,138/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,027
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,650
−HK$633/mo
Today · 4.125%
HK$21,283
baseline
▲ 0.50% · 4.625%
HK$22,577
+HK$1,294/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,566/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,279
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,877
−HK$606/mo
Today · 4.125%
HK$23,483
baseline
▲ 0.50% · 4.625%
HK$24,721
+HK$1,238/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,966/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,364
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,091
−HK$739/mo
Today · 4.125%
HK$24,830
baseline
▲ 0.50% · 4.625%
HK$26,340
+HK$1,510/mo
Deposit HK$2.20M · loan HK$5.12M · min. income ≈ HK$49,660/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,993
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,690
−HK$707/mo
Today · 4.125%
HK$27,397
baseline
▲ 0.50% · 4.625%
HK$28,841
+HK$1,444/mo
Deposit HK$2.20M · loan HK$5.12M · min. income ≈ HK$54,794/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,040
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,974
−HK$950/mo
Today · 4.125%
HK$31,924
baseline
▲ 0.50% · 4.625%
HK$33,866
+HK$1,942/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$63,848/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,419
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,315
−HK$910/mo
Today · 4.125%
HK$35,225
baseline
▲ 0.50% · 4.625%
HK$37,081
+HK$1,856/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$70,450/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,566 · 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).