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$16,154
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,657
−HK$510/mo
Today · 4.125%
HK$17,167
baseline
▲ 0.50% · 4.625%
HK$18,212
+HK$1,045/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,334/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,971
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,453
−HK$489/mo
Today · 4.125%
HK$18,942
baseline
▲ 0.50% · 4.625%
HK$19,941
+HK$999/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,884/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,385
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,988
−HK$613/mo
Today · 4.125%
HK$20,601
baseline
▲ 0.50% · 4.625%
HK$21,854
+HK$1,253/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,202/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,566
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,144
−HK$587/mo
Today · 4.125%
HK$22,731
baseline
▲ 0.50% · 4.625%
HK$23,929
+HK$1,198/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,462/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,616
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,319
−HK$715/mo
Today · 4.125%
HK$24,034
baseline
▲ 0.50% · 4.625%
HK$25,497
+HK$1,463/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,068/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,160
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,835
−HK$684/mo
Today · 4.125%
HK$26,519
baseline
▲ 0.50% · 4.625%
HK$27,917
+HK$1,398/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,038/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,078
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,982
−HK$919/mo
Today · 4.125%
HK$30,901
baseline
▲ 0.50% · 4.625%
HK$32,781
+HK$1,880/mo
Deposit HK$708K · loan HK$6.38M · min. income ≈ HK$61,802/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,349
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,216
−HK$880/mo
Today · 4.125%
HK$34,096
baseline
▲ 0.50% · 4.625%
HK$35,893
+HK$1,797/mo
Deposit HK$708K · loan HK$6.38M · min. income ≈ HK$68,192/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,532 · 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).