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$16,246
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,751
−HK$514/mo
Today · 4.125%
HK$17,265
baseline
▲ 0.50% · 4.625%
HK$18,315
+HK$1,050/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,530/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,073
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,558
−HK$492/mo
Today · 4.125%
HK$19,050
baseline
▲ 0.50% · 4.625%
HK$20,054
+HK$1,004/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,100/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,495
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,101
−HK$616/mo
Today · 4.125%
HK$20,717
baseline
▲ 0.50% · 4.625%
HK$21,978
+HK$1,261/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,434/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,688
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,270
−HK$590/mo
Today · 4.125%
HK$22,860
baseline
▲ 0.50% · 4.625%
HK$24,065
+HK$1,205/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,720/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,744
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,452
−HK$718/mo
Today · 4.125%
HK$24,170
baseline
▲ 0.50% · 4.625%
HK$25,641
+HK$1,471/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,340/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,303
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,981
−HK$689/mo
Today · 4.125%
HK$26,670
baseline
▲ 0.50% · 4.625%
HK$28,075
+HK$1,405/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,340/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,242
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,152
−HK$924/mo
Today · 4.125%
HK$31,076
baseline
▲ 0.50% · 4.625%
HK$32,967
+HK$1,891/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,152/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,532
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,404
−HK$885/mo
Today · 4.125%
HK$34,289
baseline
▲ 0.50% · 4.625%
HK$36,097
+HK$1,808/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,578/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,736 · 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).