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$16,214
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,719
−HK$512/mo
Today · 4.125%
HK$17,231
baseline
▲ 0.50% · 4.625%
HK$18,279
+HK$1,048/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,462/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,038
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,522
−HK$491/mo
Today · 4.125%
HK$19,013
baseline
▲ 0.50% · 4.625%
HK$20,015
+HK$1,002/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,026/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,457
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,062
−HK$615/mo
Today · 4.125%
HK$20,677
baseline
▲ 0.50% · 4.625%
HK$21,935
+HK$1,258/mo
Deposit HK$2.84M · loan HK$4.27M · min. income ≈ HK$41,354/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,646
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,226
−HK$589/mo
Today · 4.125%
HK$22,815
baseline
▲ 0.50% · 4.625%
HK$24,018
+HK$1,203/mo
Deposit HK$2.84M · loan HK$4.27M · min. income ≈ HK$45,630/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,700
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,406
−HK$717/mo
Today · 4.125%
HK$24,123
baseline
▲ 0.50% · 4.625%
HK$25,591
+HK$1,468/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$48,246/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,253
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,931
−HK$687/mo
Today · 4.125%
HK$26,618
baseline
▲ 0.50% · 4.625%
HK$28,021
+HK$1,403/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$53,236/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,186
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,093
−HK$923/mo
Today · 4.125%
HK$31,016
baseline
▲ 0.50% · 4.625%
HK$32,903
+HK$1,887/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$62,032/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,469
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,339
−HK$884/mo
Today · 4.125%
HK$34,223
baseline
▲ 0.50% · 4.625%
HK$36,027
+HK$1,804/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$68,446/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$213,321 · 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).