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$15,986
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,483
−HK$505/mo
Today · 4.125%
HK$16,988
baseline
▲ 0.50% · 4.625%
HK$18,022
+HK$1,034/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$33,976/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,784
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,261
−HK$484/mo
Today · 4.125%
HK$18,745
baseline
▲ 0.50% · 4.625%
HK$19,733
+HK$988/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,490/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,183
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,779
−HK$607/mo
Today · 4.125%
HK$20,386
baseline
▲ 0.50% · 4.625%
HK$21,626
+HK$1,240/mo
Deposit HK$2.80M · loan HK$4.21M · min. income ≈ HK$40,772/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,341
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,913
−HK$581/mo
Today · 4.125%
HK$22,494
baseline
▲ 0.50% · 4.625%
HK$23,679
+HK$1,185/mo
Deposit HK$2.80M · loan HK$4.21M · min. income ≈ HK$44,988/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,380
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,076
−HK$707/mo
Today · 4.125%
HK$23,783
baseline
▲ 0.50% · 4.625%
HK$25,230
+HK$1,447/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$47,566/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,897
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,565
−HK$677/mo
Today · 4.125%
HK$26,242
baseline
▲ 0.50% · 4.625%
HK$27,626
+HK$1,384/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$52,484/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,774
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,669
−HK$909/mo
Today · 4.125%
HK$30,578
baseline
▲ 0.50% · 4.625%
HK$32,439
+HK$1,861/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$61,156/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,011
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,869
−HK$871/mo
Today · 4.125%
HK$33,740
baseline
▲ 0.50% · 4.625%
HK$35,519
+HK$1,779/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$67,480/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,314 · 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).