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$16,051
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$16,550
−HK$508/mo
Today · 4.125%
HK$17,058
baseline
▲ 0.50% · 4.625%
HK$18,095
+HK$1,037/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,116/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,857
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,335
−HK$486/mo
Today · 4.125%
HK$18,821
baseline
▲ 0.50% · 4.625%
HK$19,813
+HK$992/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,642/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,261
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,860
−HK$609/mo
Today · 4.125%
HK$20,469
baseline
▲ 0.50% · 4.625%
HK$21,715
+HK$1,246/mo
Deposit HK$2.82M · loan HK$4.22M · min. income ≈ HK$40,938/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,428
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,003
−HK$583/mo
Today · 4.125%
HK$22,586
baseline
▲ 0.50% · 4.625%
HK$23,776
+HK$1,190/mo
Deposit HK$2.82M · loan HK$4.22M · min. income ≈ HK$45,172/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,471
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,170
−HK$711/mo
Today · 4.125%
HK$23,881
baseline
▲ 0.50% · 4.625%
HK$25,334
+HK$1,453/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,762/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,999
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,670
−HK$680/mo
Today · 4.125%
HK$26,350
baseline
▲ 0.50% · 4.625%
HK$27,739
+HK$1,389/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,700/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,892
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,791
−HK$913/mo
Today · 4.125%
HK$30,704
baseline
▲ 0.50% · 4.625%
HK$32,572
+HK$1,868/mo
Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$61,408/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,142
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$33,004
−HK$874/mo
Today · 4.125%
HK$33,878
baseline
▲ 0.50% · 4.625%
HK$35,664
+HK$1,786/mo
Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$67,756/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,174 · 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).