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$16,439
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,950
−HK$520/mo
Today · 4.125%
HK$17,470
baseline
▲ 0.50% · 4.625%
HK$18,533
+HK$1,063/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,940/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,288
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,779
−HK$497/mo
Today · 4.125%
HK$19,276
baseline
▲ 0.50% · 4.625%
HK$20,292
+HK$1,016/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,552/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,727
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,340
−HK$624/mo
Today · 4.125%
HK$20,964
baseline
▲ 0.50% · 4.625%
HK$22,240
+HK$1,276/mo
Deposit HK$2.88M · loan HK$4.33M · min. income ≈ HK$41,928/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,946
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,535
−HK$597/mo
Today · 4.125%
HK$23,132
baseline
▲ 0.50% · 4.625%
HK$24,351
+HK$1,219/mo
Deposit HK$2.88M · loan HK$4.33M · min. income ≈ HK$46,264/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,015
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,731
−HK$727/mo
Today · 4.125%
HK$24,458
baseline
▲ 0.50% · 4.625%
HK$25,946
+HK$1,488/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,916/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,604
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,290
−HK$697/mo
Today · 4.125%
HK$26,987
baseline
▲ 0.50% · 4.625%
HK$28,409
+HK$1,422/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$53,974/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,590
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,511
−HK$935/mo
Today · 4.125%
HK$31,446
baseline
▲ 0.50% · 4.625%
HK$33,359
+HK$1,913/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,892/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,919
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,802
−HK$895/mo
Today · 4.125%
HK$34,697
baseline
▲ 0.50% · 4.625%
HK$36,526
+HK$1,829/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,394/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,279 · 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).