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$16,104
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,604
−HK$509/mo
Today · 4.125%
HK$17,113
baseline
▲ 0.50% · 4.625%
HK$18,155
+HK$1,042/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,226/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,915
−HK$968/mo
▼ 0.25% · 3.875%
HK$18,395
−HK$488/mo
Today · 4.125%
HK$18,883
baseline
▲ 0.50% · 4.625%
HK$19,878
+HK$995/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,766/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,324
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,925
−HK$611/mo
Today · 4.125%
HK$20,536
baseline
▲ 0.50% · 4.625%
HK$21,786
+HK$1,250/mo
Deposit HK$2.82M · loan HK$4.24M · min. income ≈ HK$41,072/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,498
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,075
−HK$584/mo
Today · 4.125%
HK$22,659
baseline
▲ 0.50% · 4.625%
HK$23,854
+HK$1,195/mo
Deposit HK$2.82M · loan HK$4.24M · min. income ≈ HK$45,318/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,545
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,246
−HK$713/mo
Today · 4.125%
HK$23,959
baseline
▲ 0.50% · 4.625%
HK$25,417
+HK$1,458/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,918/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,081
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,754
−HK$682/mo
Today · 4.125%
HK$26,436
baseline
▲ 0.50% · 4.625%
HK$27,830
+HK$1,394/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,872/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,986
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,888
−HK$916/mo
Today · 4.125%
HK$30,804
baseline
▲ 0.50% · 4.625%
HK$32,678
+HK$1,874/mo
Deposit HK$706K · loan HK$6.36M · min. income ≈ HK$61,608/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,247
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,112
−HK$877/mo
Today · 4.125%
HK$33,989
baseline
▲ 0.50% · 4.625%
HK$35,781
+HK$1,792/mo
Deposit HK$706K · loan HK$6.36M · min. income ≈ HK$67,978/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,865 · 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).