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$16,306
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,813
−HK$516/mo
Today · 4.125%
HK$17,329
baseline
▲ 0.50% · 4.625%
HK$18,383
+HK$1,054/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,658/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,140
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,627
−HK$493/mo
Today · 4.125%
HK$19,120
baseline
▲ 0.50% · 4.625%
HK$20,128
+HK$1,008/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,240/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,567
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,176
−HK$618/mo
Today · 4.125%
HK$20,794
baseline
▲ 0.50% · 4.625%
HK$22,060
+HK$1,266/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,588/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,768
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,352
−HK$592/mo
Today · 4.125%
HK$22,944
baseline
▲ 0.50% · 4.625%
HK$24,154
+HK$1,210/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,888/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,828
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,539
−HK$721/mo
Today · 4.125%
HK$24,260
baseline
▲ 0.50% · 4.625%
HK$25,736
+HK$1,476/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,520/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,396
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,078
−HK$690/mo
Today · 4.125%
HK$26,768
baseline
▲ 0.50% · 4.625%
HK$28,179
+HK$1,411/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,536/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,351
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,264
−HK$927/mo
Today · 4.125%
HK$31,191
baseline
▲ 0.50% · 4.625%
HK$33,089
+HK$1,898/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$62,382/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,652
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,528
−HK$889/mo
Today · 4.125%
HK$34,417
baseline
▲ 0.50% · 4.625%
HK$36,231
+HK$1,814/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$68,834/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,529 · 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).