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$16,105
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,606
−HK$509/mo
Today · 4.125%
HK$17,115
baseline
▲ 0.50% · 4.625%
HK$18,157
+HK$1,042/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,230/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,917
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,397
−HK$488/mo
Today · 4.125%
HK$18,885
baseline
▲ 0.50% · 4.625%
HK$19,880
+HK$995/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,770/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,326
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,928
−HK$610/mo
Today · 4.125%
HK$20,538
baseline
▲ 0.50% · 4.625%
HK$21,788
+HK$1,250/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,076/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,500
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,077
−HK$585/mo
Today · 4.125%
HK$22,662
baseline
▲ 0.50% · 4.625%
HK$23,857
+HK$1,195/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,324/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,547
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,249
−HK$712/mo
Today · 4.125%
HK$23,961
baseline
▲ 0.50% · 4.625%
HK$25,419
+HK$1,458/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,922/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,084
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,756
−HK$683/mo
Today · 4.125%
HK$26,439
baseline
▲ 0.50% · 4.625%
HK$27,833
+HK$1,394/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,878/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,990
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,891
−HK$916/mo
Today · 4.125%
HK$30,807
baseline
▲ 0.50% · 4.625%
HK$32,682
+HK$1,875/mo
Deposit HK$706K · loan HK$6.36M · min. income ≈ HK$61,614/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,251
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,115
−HK$878/mo
Today · 4.125%
HK$33,993
baseline
▲ 0.50% · 4.625%
HK$35,785
+HK$1,792/mo
Deposit HK$706K · loan HK$6.36M · min. income ≈ HK$67,986/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,888 · 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).