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$16,327
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,835
−HK$515/mo
Today · 4.125%
HK$17,350
baseline
▲ 0.50% · 4.625%
HK$18,406
+HK$1,056/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,700/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,163
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,650
−HK$495/mo
Today · 4.125%
HK$19,145
baseline
▲ 0.50% · 4.625%
HK$20,154
+HK$1,009/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,290/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,592
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,201
−HK$620/mo
Today · 4.125%
HK$20,821
baseline
▲ 0.50% · 4.625%
HK$22,087
+HK$1,266/mo
Deposit HK$2.86M · loan HK$4.30M · min. income ≈ HK$41,642/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,796
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,380
−HK$593/mo
Today · 4.125%
HK$22,973
baseline
▲ 0.50% · 4.625%
HK$24,184
+HK$1,211/mo
Deposit HK$2.86M · loan HK$4.30M · min. income ≈ HK$45,946/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,857
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,568
−HK$723/mo
Today · 4.125%
HK$24,291
baseline
▲ 0.50% · 4.625%
HK$25,769
+HK$1,478/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,582/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,429
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,111
−HK$691/mo
Today · 4.125%
HK$26,802
baseline
▲ 0.50% · 4.625%
HK$28,215
+HK$1,413/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,604/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,388
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,302
−HK$929/mo
Today · 4.125%
HK$31,231
baseline
▲ 0.50% · 4.625%
HK$33,131
+HK$1,900/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$62,462/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,694
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,571
−HK$889/mo
Today · 4.125%
HK$34,460
baseline
▲ 0.50% · 4.625%
HK$36,277
+HK$1,817/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$68,920/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,801 · 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).