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$16,319
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,827
−HK$516/mo
Today · 4.125%
HK$17,343
baseline
▲ 0.50% · 4.625%
HK$18,398
+HK$1,055/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,686/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,155
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,642
−HK$494/mo
Today · 4.125%
HK$19,136
baseline
▲ 0.50% · 4.625%
HK$20,145
+HK$1,009/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,272/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,583
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,192
−HK$619/mo
Today · 4.125%
HK$20,811
baseline
▲ 0.50% · 4.625%
HK$22,078
+HK$1,267/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,622/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,786
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,371
−HK$592/mo
Today · 4.125%
HK$22,963
baseline
▲ 0.50% · 4.625%
HK$24,174
+HK$1,211/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,926/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,847
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,558
−HK$722/mo
Today · 4.125%
HK$24,280
baseline
▲ 0.50% · 4.625%
HK$25,757
+HK$1,477/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,560/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,417
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,099
−HK$691/mo
Today · 4.125%
HK$26,790
baseline
▲ 0.50% · 4.625%
HK$28,203
+HK$1,413/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,580/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,375
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,289
−HK$928/mo
Today · 4.125%
HK$31,217
baseline
▲ 0.50% · 4.625%
HK$33,117
+HK$1,900/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$62,434/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,679
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,556
−HK$889/mo
Today · 4.125%
HK$34,445
baseline
▲ 0.50% · 4.625%
HK$36,261
+HK$1,816/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$68,890/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,706 · 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).