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$16,119
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,620
−HK$510/mo
Today · 4.125%
HK$17,130
baseline
▲ 0.50% · 4.625%
HK$18,172
+HK$1,042/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,260/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,932
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,413
−HK$488/mo
Today · 4.125%
HK$18,901
baseline
▲ 0.50% · 4.625%
HK$19,897
+HK$996/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,802/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,343
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,945
−HK$611/mo
Today · 4.125%
HK$20,556
baseline
▲ 0.50% · 4.625%
HK$21,807
+HK$1,251/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,112/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,519
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,096
−HK$585/mo
Today · 4.125%
HK$22,681
baseline
▲ 0.50% · 4.625%
HK$23,877
+HK$1,196/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,362/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,567
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,269
−HK$713/mo
Today · 4.125%
HK$23,982
baseline
▲ 0.50% · 4.625%
HK$25,441
+HK$1,459/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$47,964/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,105
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,778
−HK$684/mo
Today · 4.125%
HK$26,462
baseline
▲ 0.50% · 4.625%
HK$27,856
+HK$1,394/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,924/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,014
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,917
−HK$917/mo
Today · 4.125%
HK$30,834
baseline
▲ 0.50% · 4.625%
HK$32,710
+HK$1,876/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$61,668/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,278
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,144
−HK$878/mo
Today · 4.125%
HK$34,022
baseline
▲ 0.50% · 4.625%
HK$35,815
+HK$1,793/mo
Deposit HK$707K · loan HK$6.36M · min. income ≈ HK$68,044/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$212,069 · 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).