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$16,581
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,096
−HK$524/mo
Today · 4.125%
HK$17,620
baseline
▲ 0.50% · 4.625%
HK$18,692
+HK$1,072/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,240/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,446
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,940
−HK$502/mo
Today · 4.125%
HK$19,442
baseline
▲ 0.50% · 4.625%
HK$20,467
+HK$1,025/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,884/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,897
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,516
−HK$628/mo
Today · 4.125%
HK$21,144
baseline
▲ 0.50% · 4.625%
HK$22,431
+HK$1,287/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,288/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,135
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,729
−HK$602/mo
Today · 4.125%
HK$23,331
baseline
▲ 0.50% · 4.625%
HK$24,561
+HK$1,230/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,662/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,213
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,935
−HK$733/mo
Today · 4.125%
HK$24,668
baseline
▲ 0.50% · 4.625%
HK$26,169
+HK$1,501/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,336/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,824
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,517
−HK$702/mo
Today · 4.125%
HK$27,219
baseline
▲ 0.50% · 4.625%
HK$28,654
+HK$1,435/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,438/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,845
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,773
−HK$944/mo
Today · 4.125%
HK$31,717
baseline
▲ 0.50% · 4.625%
HK$33,646
+HK$1,929/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$63,434/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,202
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,093
−HK$903/mo
Today · 4.125%
HK$34,996
baseline
▲ 0.50% · 4.625%
HK$36,841
+HK$1,845/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$69,992/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,141 · 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).