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$16,426
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,937
−HK$519/mo
Today · 4.125%
HK$17,456
baseline
▲ 0.50% · 4.625%
HK$18,518
+HK$1,062/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,912/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,274
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,764
−HK$497/mo
Today · 4.125%
HK$19,261
baseline
▲ 0.50% · 4.625%
HK$20,276
+HK$1,015/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,522/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,711
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,324
−HK$623/mo
Today · 4.125%
HK$20,947
baseline
▲ 0.50% · 4.625%
HK$22,222
+HK$1,275/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,894/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,928
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,517
−HK$596/mo
Today · 4.125%
HK$23,113
baseline
▲ 0.50% · 4.625%
HK$24,332
+HK$1,219/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,226/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,996
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,712
−HK$726/mo
Today · 4.125%
HK$24,438
baseline
▲ 0.50% · 4.625%
HK$25,925
+HK$1,487/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,876/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,583
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,269
−HK$696/mo
Today · 4.125%
HK$26,965
baseline
▲ 0.50% · 4.625%
HK$28,387
+HK$1,422/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,930/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,567
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,486
−HK$935/mo
Today · 4.125%
HK$31,421
baseline
▲ 0.50% · 4.625%
HK$33,333
+HK$1,912/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,842/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$216,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,893
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,775
−HK$895/mo
Today · 4.125%
HK$34,670
baseline
▲ 0.50% · 4.625%
HK$36,497
+HK$1,827/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,340/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$216,107 · 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).