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$16,560
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,075
−HK$524/mo
Today · 4.125%
HK$17,599
baseline
▲ 0.50% · 4.625%
HK$18,670
+HK$1,071/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,198/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,423
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,917
−HK$502/mo
Today · 4.125%
HK$19,419
baseline
▲ 0.50% · 4.625%
HK$20,442
+HK$1,023/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,838/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,872
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,491
−HK$628/mo
Today · 4.125%
HK$21,119
baseline
▲ 0.50% · 4.625%
HK$22,404
+HK$1,285/mo
Deposit HK$2.90M · loan HK$4.36M · min. income ≈ HK$42,238/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,108
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,701
−HK$601/mo
Today · 4.125%
HK$23,302
baseline
▲ 0.50% · 4.625%
HK$24,531
+HK$1,229/mo
Deposit HK$2.90M · loan HK$4.36M · min. income ≈ HK$46,604/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,185
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,906
−HK$732/mo
Today · 4.125%
HK$24,638
baseline
▲ 0.50% · 4.625%
HK$26,138
+HK$1,500/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,276/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,793
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,484
−HK$702/mo
Today · 4.125%
HK$27,186
baseline
▲ 0.50% · 4.625%
HK$28,619
+HK$1,433/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,372/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,809
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,736
−HK$942/mo
Today · 4.125%
HK$31,678
baseline
▲ 0.50% · 4.625%
HK$33,605
+HK$1,927/mo
Deposit HK$726K · loan HK$6.54M · min. income ≈ HK$63,356/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,162
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,051
−HK$902/mo
Today · 4.125%
HK$34,953
baseline
▲ 0.50% · 4.625%
HK$36,796
+HK$1,843/mo
Deposit HK$726K · loan HK$6.54M · min. income ≈ HK$69,906/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,875 · 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).