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$16,563
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,079
−HK$523/mo
Today · 4.125%
HK$17,602
baseline
▲ 0.50% · 4.625%
HK$18,673
+HK$1,071/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,204/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,427
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,921
−HK$501/mo
Today · 4.125%
HK$19,422
baseline
▲ 0.50% · 4.625%
HK$20,446
+HK$1,024/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,844/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,876
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,494
−HK$628/mo
Today · 4.125%
HK$21,122
baseline
▲ 0.50% · 4.625%
HK$22,408
+HK$1,286/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,244/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,112
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,705
−HK$601/mo
Today · 4.125%
HK$23,306
baseline
▲ 0.50% · 4.625%
HK$24,535
+HK$1,229/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,612/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,189
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,910
−HK$733/mo
Today · 4.125%
HK$24,643
baseline
▲ 0.50% · 4.625%
HK$26,142
+HK$1,499/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,286/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,797
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,489
−HK$702/mo
Today · 4.125%
HK$27,191
baseline
▲ 0.50% · 4.625%
HK$28,624
+HK$1,433/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,382/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,814
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,741
−HK$943/mo
Today · 4.125%
HK$31,684
baseline
▲ 0.50% · 4.625%
HK$33,611
+HK$1,927/mo
Deposit HK$726K · loan HK$6.54M · min. income ≈ HK$63,368/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,168
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,057
−HK$903/mo
Today · 4.125%
HK$34,960
baseline
▲ 0.50% · 4.625%
HK$36,803
+HK$1,843/mo
Deposit HK$726K · loan HK$6.54M · min. income ≈ HK$69,920/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,915 · 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).