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$16,329
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,837
−HK$516/mo
Today · 4.125%
HK$17,353
baseline
▲ 0.50% · 4.625%
HK$18,409
+HK$1,056/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,706/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,166
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,653
−HK$495/mo
Today · 4.125%
HK$19,148
baseline
▲ 0.50% · 4.625%
HK$20,157
+HK$1,009/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,296/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,595
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,205
−HK$619/mo
Today · 4.125%
HK$20,824
baseline
▲ 0.50% · 4.625%
HK$22,091
+HK$1,267/mo
Deposit HK$2.86M · loan HK$4.30M · min. income ≈ HK$41,648/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,800
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,384
−HK$593/mo
Today · 4.125%
HK$22,977
baseline
▲ 0.50% · 4.625%
HK$24,188
+HK$1,211/mo
Deposit HK$2.86M · loan HK$4.30M · min. income ≈ HK$45,954/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,861
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,572
−HK$723/mo
Today · 4.125%
HK$24,295
baseline
▲ 0.50% · 4.625%
HK$25,773
+HK$1,478/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,590/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,433
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,115
−HK$692/mo
Today · 4.125%
HK$26,807
baseline
▲ 0.50% · 4.625%
HK$28,220
+HK$1,413/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,614/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,393
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,307
−HK$929/mo
Today · 4.125%
HK$31,236
baseline
▲ 0.50% · 4.625%
HK$33,137
+HK$1,901/mo
Deposit HK$716K · loan HK$6.45M · min. income ≈ HK$62,472/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,699
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,576
−HK$890/mo
Today · 4.125%
HK$34,466
baseline
▲ 0.50% · 4.625%
HK$36,283
+HK$1,817/mo
Deposit HK$716K · loan HK$6.45M · min. income ≈ HK$68,932/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,837 · 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).