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$16,253
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,759
−HK$513/mo
Today · 4.125%
HK$17,272
baseline
▲ 0.50% · 4.625%
HK$18,323
+HK$1,051/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,544/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,082
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,567
−HK$491/mo
Today · 4.125%
HK$19,058
baseline
▲ 0.50% · 4.625%
HK$20,063
+HK$1,005/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,116/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,504
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,111
−HK$616/mo
Today · 4.125%
HK$20,727
baseline
▲ 0.50% · 4.625%
HK$21,988
+HK$1,261/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,454/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,698
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,280
−HK$590/mo
Today · 4.125%
HK$22,870
baseline
▲ 0.50% · 4.625%
HK$24,076
+HK$1,206/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,740/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,755
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,462
−HK$719/mo
Today · 4.125%
HK$24,181
baseline
▲ 0.50% · 4.625%
HK$25,653
+HK$1,472/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,362/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,314
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,993
−HK$689/mo
Today · 4.125%
HK$26,682
baseline
▲ 0.50% · 4.625%
HK$28,088
+HK$1,406/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,364/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,256
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,166
−HK$924/mo
Today · 4.125%
HK$31,090
baseline
▲ 0.50% · 4.625%
HK$32,982
+HK$1,892/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$62,180/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,547
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,420
−HK$885/mo
Today · 4.125%
HK$34,305
baseline
▲ 0.50% · 4.625%
HK$36,113
+HK$1,808/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$68,610/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,835 · 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).