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$16,061
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,560
−HK$508/mo
Today · 4.125%
HK$17,068
baseline
▲ 0.50% · 4.625%
HK$18,106
+HK$1,038/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,136/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,867
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,346
−HK$487/mo
Today · 4.125%
HK$18,833
baseline
▲ 0.50% · 4.625%
HK$19,825
+HK$992/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,666/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,273
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,872
−HK$609/mo
Today · 4.125%
HK$20,481
baseline
▲ 0.50% · 4.625%
HK$21,728
+HK$1,247/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$40,962/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,441
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,016
−HK$583/mo
Today · 4.125%
HK$22,599
baseline
▲ 0.50% · 4.625%
HK$23,790
+HK$1,191/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,198/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,485
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,184
−HK$711/mo
Today · 4.125%
HK$23,895
baseline
▲ 0.50% · 4.625%
HK$25,349
+HK$1,454/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,790/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,014
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,685
−HK$681/mo
Today · 4.125%
HK$26,366
baseline
▲ 0.50% · 4.625%
HK$27,755
+HK$1,389/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,732/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,909
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,808
−HK$914/mo
Today · 4.125%
HK$30,722
baseline
▲ 0.50% · 4.625%
HK$32,591
+HK$1,869/mo
Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$61,444/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,161
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,024
−HK$875/mo
Today · 4.125%
HK$33,899
baseline
▲ 0.50% · 4.625%
HK$35,686
+HK$1,787/mo
Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$67,798/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,301 · 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).