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$16,234
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,739
−HK$513/mo
Today · 4.125%
HK$17,252
baseline
▲ 0.50% · 4.625%
HK$18,301
+HK$1,049/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,504/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,060
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,544
−HK$491/mo
Today · 4.125%
HK$19,035
baseline
▲ 0.50% · 4.625%
HK$20,039
+HK$1,004/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,070/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,480
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,086
−HK$616/mo
Today · 4.125%
HK$20,702
baseline
▲ 0.50% · 4.625%
HK$21,962
+HK$1,260/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,404/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,672
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,253
−HK$590/mo
Today · 4.125%
HK$22,843
baseline
▲ 0.50% · 4.625%
HK$24,047
+HK$1,204/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,686/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,727
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,434
−HK$718/mo
Today · 4.125%
HK$24,152
baseline
▲ 0.50% · 4.625%
HK$25,622
+HK$1,470/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$48,304/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,284
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,962
−HK$688/mo
Today · 4.125%
HK$26,650
baseline
▲ 0.50% · 4.625%
HK$28,054
+HK$1,404/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$53,300/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,221
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,130
−HK$923/mo
Today · 4.125%
HK$31,053
baseline
▲ 0.50% · 4.625%
HK$32,942
+HK$1,889/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,106/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,508
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,379
−HK$885/mo
Today · 4.125%
HK$34,264
baseline
▲ 0.50% · 4.625%
HK$36,070
+HK$1,806/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,528/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,577 · 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).