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$16,189
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,693
−HK$512/mo
Today · 4.125%
HK$17,205
baseline
▲ 0.50% · 4.625%
HK$18,251
+HK$1,046/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,410/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,011
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,494
−HK$490/mo
Today · 4.125%
HK$18,984
baseline
▲ 0.50% · 4.625%
HK$19,984
+HK$1,000/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,968/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,427
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,032
−HK$614/mo
Today · 4.125%
HK$20,646
baseline
▲ 0.50% · 4.625%
HK$21,902
+HK$1,256/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,292/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,613
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,192
−HK$588/mo
Today · 4.125%
HK$22,780
baseline
▲ 0.50% · 4.625%
HK$23,981
+HK$1,201/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,560/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,665
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,370
−HK$716/mo
Today · 4.125%
HK$24,086
baseline
▲ 0.50% · 4.625%
HK$25,552
+HK$1,466/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,172/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,215
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,891
−HK$686/mo
Today · 4.125%
HK$26,577
baseline
▲ 0.50% · 4.625%
HK$27,978
+HK$1,401/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,154/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,141
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,047
−HK$921/mo
Today · 4.125%
HK$30,968
baseline
▲ 0.50% · 4.625%
HK$32,853
+HK$1,885/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$61,936/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$212,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,419
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,288
−HK$882/mo
Today · 4.125%
HK$34,170
baseline
▲ 0.50% · 4.625%
HK$35,972
+HK$1,802/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$68,340/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$212,995 · 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).