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$16,168
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,671
−HK$511/mo
Today · 4.125%
HK$17,182
baseline
▲ 0.50% · 4.625%
HK$18,228
+HK$1,046/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,364/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,987
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,469
−HK$490/mo
Today · 4.125%
HK$18,959
baseline
▲ 0.50% · 4.625%
HK$19,958
+HK$999/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,918/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,402
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,005
−HK$614/mo
Today · 4.125%
HK$20,619
baseline
▲ 0.50% · 4.625%
HK$21,873
+HK$1,254/mo
Deposit HK$2.84M · loan HK$4.25M · min. income ≈ HK$41,238/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,584
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,163
−HK$588/mo
Today · 4.125%
HK$22,751
baseline
▲ 0.50% · 4.625%
HK$23,950
+HK$1,199/mo
Deposit HK$2.84M · loan HK$4.25M · min. income ≈ HK$45,502/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,636
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,340
−HK$715/mo
Today · 4.125%
HK$24,055
baseline
▲ 0.50% · 4.625%
HK$25,519
+HK$1,464/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,110/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,182
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,857
−HK$685/mo
Today · 4.125%
HK$26,542
baseline
▲ 0.50% · 4.625%
HK$27,941
+HK$1,399/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,084/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,103
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,008
−HK$920/mo
Today · 4.125%
HK$30,928
baseline
▲ 0.50% · 4.625%
HK$32,810
+HK$1,882/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,856/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,377
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,245
−HK$881/mo
Today · 4.125%
HK$34,126
baseline
▲ 0.50% · 4.625%
HK$35,925
+HK$1,799/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,252/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,717 · 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).