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$15,988
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,485
−HK$506/mo
Today · 4.125%
HK$16,991
baseline
▲ 0.50% · 4.625%
HK$18,025
+HK$1,034/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$33,982/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,787
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,264
−HK$484/mo
Today · 4.125%
HK$18,748
baseline
▲ 0.50% · 4.625%
HK$19,736
+HK$988/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,496/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,186
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,783
−HK$606/mo
Today · 4.125%
HK$20,389
baseline
▲ 0.50% · 4.625%
HK$21,629
+HK$1,240/mo
Deposit HK$2.80M · loan HK$4.21M · min. income ≈ HK$40,778/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,344
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,916
−HK$581/mo
Today · 4.125%
HK$22,497
baseline
▲ 0.50% · 4.625%
HK$23,683
+HK$1,186/mo
Deposit HK$2.80M · loan HK$4.21M · min. income ≈ HK$44,994/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,383
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,080
−HK$707/mo
Today · 4.125%
HK$23,787
baseline
▲ 0.50% · 4.625%
HK$25,234
+HK$1,447/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$47,574/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,901
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,569
−HK$678/mo
Today · 4.125%
HK$26,247
baseline
▲ 0.50% · 4.625%
HK$27,630
+HK$1,383/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$52,494/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,779
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,674
−HK$909/mo
Today · 4.125%
HK$30,583
baseline
▲ 0.50% · 4.625%
HK$32,444
+HK$1,861/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$61,166/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,016
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,875
−HK$871/mo
Today · 4.125%
HK$33,746
baseline
▲ 0.50% · 4.625%
HK$35,524
+HK$1,778/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$67,492/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,347 · 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).