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$16,020
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,518
−HK$506/mo
Today · 4.125%
HK$17,024
baseline
▲ 0.50% · 4.625%
HK$18,060
+HK$1,036/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,048/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,822
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,300
−HK$485/mo
Today · 4.125%
HK$18,785
baseline
▲ 0.50% · 4.625%
HK$19,775
+HK$990/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,570/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,224
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,822
−HK$607/mo
Today · 4.125%
HK$20,429
baseline
▲ 0.50% · 4.625%
HK$21,672
+HK$1,243/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,858/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,386
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,960
−HK$582/mo
Today · 4.125%
HK$22,542
baseline
▲ 0.50% · 4.625%
HK$23,730
+HK$1,188/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,084/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,428
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,125
−HK$709/mo
Today · 4.125%
HK$23,834
baseline
▲ 0.50% · 4.625%
HK$25,284
+HK$1,450/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,668/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,951
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,620
−HK$679/mo
Today · 4.125%
HK$26,299
baseline
▲ 0.50% · 4.625%
HK$27,685
+HK$1,386/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,598/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,836
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,733
−HK$911/mo
Today · 4.125%
HK$30,644
baseline
▲ 0.50% · 4.625%
HK$32,508
+HK$1,864/mo
Deposit HK$703K · loan HK$6.32M · min. income ≈ HK$61,288/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,079
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,940
−HK$873/mo
Today · 4.125%
HK$33,813
baseline
▲ 0.50% · 4.625%
HK$35,595
+HK$1,782/mo
Deposit HK$703K · loan HK$6.32M · min. income ≈ HK$67,626/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,764 · 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).