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$16,072
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,572
−HK$508/mo
Today · 4.125%
HK$17,080
baseline
▲ 0.50% · 4.625%
HK$18,119
+HK$1,039/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,160/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,880
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,360
−HK$486/mo
Today · 4.125%
HK$18,846
baseline
▲ 0.50% · 4.625%
HK$19,840
+HK$994/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,692/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,287
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,886
−HK$610/mo
Today · 4.125%
HK$20,496
baseline
▲ 0.50% · 4.625%
HK$21,743
+HK$1,247/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$40,992/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,456
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,032
−HK$583/mo
Today · 4.125%
HK$22,615
baseline
▲ 0.50% · 4.625%
HK$23,807
+HK$1,192/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,230/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,501
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,201
−HK$711/mo
Today · 4.125%
HK$23,912
baseline
▲ 0.50% · 4.625%
HK$25,367
+HK$1,455/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,824/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,032
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,703
−HK$682/mo
Today · 4.125%
HK$26,385
baseline
▲ 0.50% · 4.625%
HK$27,775
+HK$1,390/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,770/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,930
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,830
−HK$914/mo
Today · 4.125%
HK$30,744
baseline
▲ 0.50% · 4.625%
HK$32,615
+HK$1,871/mo
Deposit HK$705K · loan HK$6.34M · min. income ≈ HK$61,488/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,184
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,047
−HK$876/mo
Today · 4.125%
HK$33,923
baseline
▲ 0.50% · 4.625%
HK$35,711
+HK$1,788/mo
Deposit HK$705K · loan HK$6.34M · min. income ≈ HK$67,846/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,452 · 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).