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$16,353
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,862
−HK$517/mo
Today · 4.125%
HK$17,379
baseline
▲ 0.50% · 4.625%
HK$18,436
+HK$1,057/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,758/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,193
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,681
−HK$495/mo
Today · 4.125%
HK$19,176
baseline
▲ 0.50% · 4.625%
HK$20,186
+HK$1,010/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,352/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,624
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,234
−HK$620/mo
Today · 4.125%
HK$20,854
baseline
▲ 0.50% · 4.625%
HK$22,123
+HK$1,269/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,708/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,831
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,417
−HK$594/mo
Today · 4.125%
HK$23,011
baseline
▲ 0.50% · 4.625%
HK$24,224
+HK$1,213/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$46,022/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,894
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,607
−HK$723/mo
Today · 4.125%
HK$24,330
baseline
▲ 0.50% · 4.625%
HK$25,810
+HK$1,480/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,660/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,470
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,153
−HK$693/mo
Today · 4.125%
HK$26,846
baseline
▲ 0.50% · 4.625%
HK$28,261
+HK$1,415/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,692/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,436
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,351
−HK$931/mo
Today · 4.125%
HK$31,282
baseline
▲ 0.50% · 4.625%
HK$33,185
+HK$1,903/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$62,564/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,747
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,625
−HK$891/mo
Today · 4.125%
HK$34,516
baseline
▲ 0.50% · 4.625%
HK$36,335
+HK$1,819/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$69,032/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,149 · 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).