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$16,011
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,509
−HK$506/mo
Today · 4.125%
HK$17,015
baseline
▲ 0.50% · 4.625%
HK$18,051
+HK$1,036/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,030/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,812
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,290
−HK$485/mo
Today · 4.125%
HK$18,775
baseline
▲ 0.50% · 4.625%
HK$19,764
+HK$989/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,550/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,214
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,811
−HK$607/mo
Today · 4.125%
HK$20,418
baseline
▲ 0.50% · 4.625%
HK$21,661
+HK$1,243/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,836/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,375
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,948
−HK$582/mo
Today · 4.125%
HK$22,530
baseline
▲ 0.50% · 4.625%
HK$23,717
+HK$1,187/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,060/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,416
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,113
−HK$709/mo
Today · 4.125%
HK$23,822
baseline
▲ 0.50% · 4.625%
HK$25,271
+HK$1,449/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,644/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,937
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,606
−HK$679/mo
Today · 4.125%
HK$26,285
baseline
▲ 0.50% · 4.625%
HK$27,670
+HK$1,385/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,570/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,820
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,717
−HK$911/mo
Today · 4.125%
HK$30,628
baseline
▲ 0.50% · 4.625%
HK$32,491
+HK$1,863/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$61,256/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,062
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,922
−HK$873/mo
Today · 4.125%
HK$33,795
baseline
▲ 0.50% · 4.625%
HK$35,576
+HK$1,781/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$67,590/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,652 · 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).