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$16,368
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,877
−HK$518/mo
Today · 4.125%
HK$17,395
baseline
▲ 0.50% · 4.625%
HK$18,453
+HK$1,058/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,790/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,209
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,698
−HK$495/mo
Today · 4.125%
HK$19,193
baseline
▲ 0.50% · 4.625%
HK$20,205
+HK$1,012/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,386/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,642
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,253
−HK$620/mo
Today · 4.125%
HK$20,873
baseline
▲ 0.50% · 4.625%
HK$22,144
+HK$1,271/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,746/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,851
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,437
−HK$595/mo
Today · 4.125%
HK$23,032
baseline
▲ 0.50% · 4.625%
HK$24,246
+HK$1,214/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,064/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,915
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,628
−HK$724/mo
Today · 4.125%
HK$24,352
baseline
▲ 0.50% · 4.625%
HK$25,834
+HK$1,482/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,704/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,493
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,177
−HK$693/mo
Today · 4.125%
HK$26,870
baseline
▲ 0.50% · 4.625%
HK$28,287
+HK$1,417/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,740/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,463
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,379
−HK$931/mo
Today · 4.125%
HK$31,310
baseline
▲ 0.50% · 4.625%
HK$33,215
+HK$1,905/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$62,620/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,777
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,656
−HK$892/mo
Today · 4.125%
HK$34,548
baseline
▲ 0.50% · 4.625%
HK$36,369
+HK$1,821/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$69,096/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,346 · 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).