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$16,470
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,982
−HK$521/mo
Today · 4.125%
HK$17,503
baseline
▲ 0.50% · 4.625%
HK$18,568
+HK$1,065/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$35,006/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,323
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,814
−HK$499/mo
Today · 4.125%
HK$19,313
baseline
▲ 0.50% · 4.625%
HK$20,331
+HK$1,018/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,626/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,764
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,379
−HK$624/mo
Today · 4.125%
HK$21,003
baseline
▲ 0.50% · 4.625%
HK$22,281
+HK$1,278/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$42,006/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,987
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,577
−HK$598/mo
Today · 4.125%
HK$23,175
baseline
▲ 0.50% · 4.625%
HK$24,397
+HK$1,222/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,350/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,058
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,775
−HK$729/mo
Today · 4.125%
HK$24,504
baseline
▲ 0.50% · 4.625%
HK$25,995
+HK$1,491/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,008/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,652
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,340
−HK$698/mo
Today · 4.125%
HK$27,038
baseline
▲ 0.50% · 4.625%
HK$28,463
+HK$1,425/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,076/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,646
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,568
−HK$937/mo
Today · 4.125%
HK$31,505
baseline
▲ 0.50% · 4.625%
HK$33,422
+HK$1,917/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$63,010/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,981
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,866
−HK$897/mo
Today · 4.125%
HK$34,763
baseline
▲ 0.50% · 4.625%
HK$36,595
+HK$1,832/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,526/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,688 · 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).