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$16,403
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,913
−HK$519/mo
Today · 4.125%
HK$17,432
baseline
▲ 0.50% · 4.625%
HK$18,492
+HK$1,060/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,864/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,248
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,738
−HK$496/mo
Today · 4.125%
HK$19,234
baseline
▲ 0.50% · 4.625%
HK$20,248
+HK$1,014/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,468/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,684
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,296
−HK$622/mo
Today · 4.125%
HK$20,918
baseline
▲ 0.50% · 4.625%
HK$22,191
+HK$1,273/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,836/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,898
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,485
−HK$596/mo
Today · 4.125%
HK$23,081
baseline
▲ 0.50% · 4.625%
HK$24,298
+HK$1,217/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,162/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,964
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,679
−HK$725/mo
Today · 4.125%
HK$24,404
baseline
▲ 0.50% · 4.625%
HK$25,889
+HK$1,485/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,808/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,548
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,233
−HK$695/mo
Today · 4.125%
HK$26,928
baseline
▲ 0.50% · 4.625%
HK$28,347
+HK$1,419/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,856/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,526
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,444
−HK$933/mo
Today · 4.125%
HK$31,377
baseline
▲ 0.50% · 4.625%
HK$33,286
+HK$1,909/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,754/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,847
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,728
−HK$893/mo
Today · 4.125%
HK$34,621
baseline
▲ 0.50% · 4.625%
HK$36,446
+HK$1,825/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,242/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,806 · 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).