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$16,405
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,915
−HK$519/mo
Today · 4.125%
HK$17,434
baseline
▲ 0.50% · 4.625%
HK$18,494
+HK$1,060/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,868/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,250
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,740
−HK$496/mo
Today · 4.125%
HK$19,236
baseline
▲ 0.50% · 4.625%
HK$20,250
+HK$1,014/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,472/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,686
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,298
−HK$622/mo
Today · 4.125%
HK$20,920
baseline
▲ 0.50% · 4.625%
HK$22,193
+HK$1,273/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,840/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,900
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,488
−HK$595/mo
Today · 4.125%
HK$23,083
baseline
▲ 0.50% · 4.625%
HK$24,300
+HK$1,217/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,166/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,967
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,681
−HK$726/mo
Today · 4.125%
HK$24,407
baseline
▲ 0.50% · 4.625%
HK$25,892
+HK$1,485/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,814/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,550
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,236
−HK$695/mo
Today · 4.125%
HK$26,931
baseline
▲ 0.50% · 4.625%
HK$28,350
+HK$1,419/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,862/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,529
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,447
−HK$933/mo
Today · 4.125%
HK$31,380
baseline
▲ 0.50% · 4.625%
HK$33,290
+HK$1,910/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,760/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,850
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,731
−HK$894/mo
Today · 4.125%
HK$34,625
baseline
▲ 0.50% · 4.625%
HK$36,450
+HK$1,825/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,250/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,829 · 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).