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$16,018
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,516
−HK$507/mo
Today · 4.125%
HK$17,023
baseline
▲ 0.50% · 4.625%
HK$18,058
+HK$1,035/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,046/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,820
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,298
−HK$485/mo
Today · 4.125%
HK$18,783
baseline
▲ 0.50% · 4.625%
HK$19,773
+HK$990/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,566/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,222
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,820
−HK$607/mo
Today · 4.125%
HK$20,427
baseline
▲ 0.50% · 4.625%
HK$21,670
+HK$1,243/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,854/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,384
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,957
−HK$582/mo
Today · 4.125%
HK$22,539
baseline
▲ 0.50% · 4.625%
HK$23,727
+HK$1,188/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,078/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,425
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,123
−HK$709/mo
Today · 4.125%
HK$23,832
baseline
▲ 0.50% · 4.625%
HK$25,282
+HK$1,450/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,664/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,948
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,617
−HK$679/mo
Today · 4.125%
HK$26,296
baseline
▲ 0.50% · 4.625%
HK$27,682
+HK$1,386/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,592/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,833
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,729
−HK$912/mo
Today · 4.125%
HK$30,641
baseline
▲ 0.50% · 4.625%
HK$32,505
+HK$1,864/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$61,282/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,076
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,936
−HK$873/mo
Today · 4.125%
HK$33,809
baseline
▲ 0.50% · 4.625%
HK$35,591
+HK$1,782/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$67,618/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,741 · 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).