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$16,150
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,652
−HK$511/mo
Today · 4.125%
HK$17,163
baseline
▲ 0.50% · 4.625%
HK$18,207
+HK$1,044/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,326/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,967
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,449
−HK$488/mo
Today · 4.125%
HK$18,937
baseline
▲ 0.50% · 4.625%
HK$19,936
+HK$999/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,874/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,380
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,983
−HK$612/mo
Today · 4.125%
HK$20,595
baseline
▲ 0.50% · 4.625%
HK$21,848
+HK$1,253/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,190/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,560
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,138
−HK$587/mo
Today · 4.125%
HK$22,725
baseline
▲ 0.50% · 4.625%
HK$23,923
+HK$1,198/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,450/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,610
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,313
−HK$715/mo
Today · 4.125%
HK$24,028
baseline
▲ 0.50% · 4.625%
HK$25,490
+HK$1,462/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$48,056/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,153
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,828
−HK$684/mo
Today · 4.125%
HK$26,512
baseline
▲ 0.50% · 4.625%
HK$27,910
+HK$1,398/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$53,024/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,070
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,974
−HK$919/mo
Today · 4.125%
HK$30,893
baseline
▲ 0.50% · 4.625%
HK$32,773
+HK$1,880/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,786/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,340
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,207
−HK$880/mo
Today · 4.125%
HK$34,087
baseline
▲ 0.50% · 4.625%
HK$35,884
+HK$1,797/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,174/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,476 · 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).