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$16,312
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,819
−HK$516/mo
Today · 4.125%
HK$17,335
baseline
▲ 0.50% · 4.625%
HK$18,390
+HK$1,055/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,670/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,147
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,634
−HK$493/mo
Today · 4.125%
HK$19,127
baseline
▲ 0.50% · 4.625%
HK$20,136
+HK$1,009/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,254/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,574
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,183
−HK$619/mo
Today · 4.125%
HK$20,802
baseline
▲ 0.50% · 4.625%
HK$22,068
+HK$1,266/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,604/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,776
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,360
−HK$593/mo
Today · 4.125%
HK$22,953
baseline
▲ 0.50% · 4.625%
HK$24,163
+HK$1,210/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,906/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,837
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,547
−HK$722/mo
Today · 4.125%
HK$24,269
baseline
▲ 0.50% · 4.625%
HK$25,746
+HK$1,477/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,538/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,406
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,087
−HK$691/mo
Today · 4.125%
HK$26,778
baseline
▲ 0.50% · 4.625%
HK$28,190
+HK$1,412/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,556/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,362
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,275
−HK$928/mo
Today · 4.125%
HK$31,203
baseline
▲ 0.50% · 4.625%
HK$33,101
+HK$1,898/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$62,406/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,664
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,540
−HK$889/mo
Today · 4.125%
HK$34,429
baseline
▲ 0.50% · 4.625%
HK$36,244
+HK$1,815/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$68,858/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,608 · 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).