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$16,846
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,370
−HK$532/mo
Today · 4.125%
HK$17,902
baseline
▲ 0.50% · 4.625%
HK$18,991
+HK$1,089/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,804/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,741
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,243
−HK$510/mo
Today · 4.125%
HK$19,753
baseline
▲ 0.50% · 4.625%
HK$20,794
+HK$1,041/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,506/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,215
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,844
−HK$638/mo
Today · 4.125%
HK$21,482
baseline
▲ 0.50% · 4.625%
HK$22,790
+HK$1,308/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$42,964/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,489
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,092
−HK$612/mo
Today · 4.125%
HK$23,704
baseline
▲ 0.50% · 4.625%
HK$24,953
+HK$1,249/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$47,408/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,584
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,318
−HK$745/mo
Today · 4.125%
HK$25,063
baseline
▲ 0.50% · 4.625%
HK$26,588
+HK$1,525/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$50,126/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,237
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,941
−HK$713/mo
Today · 4.125%
HK$27,654
baseline
▲ 0.50% · 4.625%
HK$29,112
+HK$1,458/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$55,308/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,322
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,265
−HK$959/mo
Today · 4.125%
HK$32,224
baseline
▲ 0.50% · 4.625%
HK$34,184
+HK$1,960/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,448/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,733
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,638
−HK$918/mo
Today · 4.125%
HK$35,556
baseline
▲ 0.50% · 4.625%
HK$37,430
+HK$1,874/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,112/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,629 · 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).