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$16,144
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,646
−HK$510/mo
Today · 4.125%
HK$17,156
baseline
▲ 0.50% · 4.625%
HK$18,200
+HK$1,044/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,312/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,960
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,441
−HK$489/mo
Today · 4.125%
HK$18,930
baseline
▲ 0.50% · 4.625%
HK$19,928
+HK$998/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,860/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,372
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,975
−HK$612/mo
Today · 4.125%
HK$20,587
baseline
▲ 0.50% · 4.625%
HK$21,840
+HK$1,253/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,174/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,551
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,129
−HK$587/mo
Today · 4.125%
HK$22,716
baseline
▲ 0.50% · 4.625%
HK$23,913
+HK$1,197/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,432/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,601
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,304
−HK$714/mo
Today · 4.125%
HK$24,018
baseline
▲ 0.50% · 4.625%
HK$25,480
+HK$1,462/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$48,036/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,143
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,818
−HK$684/mo
Today · 4.125%
HK$26,502
baseline
▲ 0.50% · 4.625%
HK$27,899
+HK$1,397/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$53,004/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,058
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,962
−HK$919/mo
Today · 4.125%
HK$30,881
baseline
▲ 0.50% · 4.625%
HK$32,760
+HK$1,879/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,762/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,327
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,194
−HK$880/mo
Today · 4.125%
HK$34,074
baseline
▲ 0.50% · 4.625%
HK$35,870
+HK$1,796/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,148/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,392 · 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).