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$16,146
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,648
−HK$510/mo
Today · 4.125%
HK$17,158
baseline
▲ 0.50% · 4.625%
HK$18,202
+HK$1,044/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,316/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,962
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,444
−HK$488/mo
Today · 4.125%
HK$18,932
baseline
▲ 0.50% · 4.625%
HK$19,930
+HK$998/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,864/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,375
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,978
−HK$612/mo
Today · 4.125%
HK$20,590
baseline
▲ 0.50% · 4.625%
HK$21,843
+HK$1,253/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,180/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,554
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,132
−HK$587/mo
Today · 4.125%
HK$22,719
baseline
▲ 0.50% · 4.625%
HK$23,916
+HK$1,197/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,438/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,604
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,307
−HK$715/mo
Today · 4.125%
HK$24,022
baseline
▲ 0.50% · 4.625%
HK$25,483
+HK$1,461/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$48,044/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,147
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,821
−HK$684/mo
Today · 4.125%
HK$26,505
baseline
▲ 0.50% · 4.625%
HK$27,903
+HK$1,398/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$53,010/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,062
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,966
−HK$919/mo
Today · 4.125%
HK$30,885
baseline
▲ 0.50% · 4.625%
HK$32,764
+HK$1,879/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,770/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,332
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,199
−HK$879/mo
Today · 4.125%
HK$34,078
baseline
▲ 0.50% · 4.625%
HK$35,875
+HK$1,797/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,156/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,421 · 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).