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$16,381
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,890
−HK$518/mo
Today · 4.125%
HK$17,408
baseline
▲ 0.50% · 4.625%
HK$18,467
+HK$1,059/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,816/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,223
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,712
−HK$496/mo
Today · 4.125%
HK$19,208
baseline
▲ 0.50% · 4.625%
HK$20,221
+HK$1,013/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,416/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,657
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,268
−HK$622/mo
Today · 4.125%
HK$20,890
baseline
▲ 0.50% · 4.625%
HK$22,161
+HK$1,271/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,780/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,868
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,455
−HK$595/mo
Today · 4.125%
HK$23,050
baseline
▲ 0.50% · 4.625%
HK$24,265
+HK$1,215/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,100/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,933
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,646
−HK$725/mo
Today · 4.125%
HK$24,371
baseline
▲ 0.50% · 4.625%
HK$25,854
+HK$1,483/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,742/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,513
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,197
−HK$694/mo
Today · 4.125%
HK$26,891
baseline
▲ 0.50% · 4.625%
HK$28,309
+HK$1,418/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,782/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,485
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,403
−HK$931/mo
Today · 4.125%
HK$31,334
baseline
▲ 0.50% · 4.625%
HK$33,241
+HK$1,907/mo
Deposit HK$718K · loan HK$6.47M · min. income ≈ HK$62,668/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,802
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,682
−HK$892/mo
Today · 4.125%
HK$34,574
baseline
▲ 0.50% · 4.625%
HK$36,397
+HK$1,823/mo
Deposit HK$718K · loan HK$6.47M · min. income ≈ HK$69,148/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,513 · 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).