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$16,192
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,695
−HK$512/mo
Today · 4.125%
HK$17,207
baseline
▲ 0.50% · 4.625%
HK$18,254
+HK$1,047/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,414/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$213,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,013
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,496
−HK$490/mo
Today · 4.125%
HK$18,986
baseline
▲ 0.50% · 4.625%
HK$19,987
+HK$1,001/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,972/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$213,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,430
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,034
−HK$614/mo
Today · 4.125%
HK$20,648
baseline
▲ 0.50% · 4.625%
HK$21,905
+HK$1,257/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,296/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$213,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,616
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,195
−HK$588/mo
Today · 4.125%
HK$22,783
baseline
▲ 0.50% · 4.625%
HK$23,984
+HK$1,201/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,566/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$213,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,668
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,373
−HK$717/mo
Today · 4.125%
HK$24,090
baseline
▲ 0.50% · 4.625%
HK$25,556
+HK$1,466/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,180/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$213,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,218
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,895
−HK$686/mo
Today · 4.125%
HK$26,581
baseline
▲ 0.50% · 4.625%
HK$27,982
+HK$1,401/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,162/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$213,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,145
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,051
−HK$922/mo
Today · 4.125%
HK$30,973
baseline
▲ 0.50% · 4.625%
HK$32,857
+HK$1,884/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$61,946/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$213,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,423
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,293
−HK$882/mo
Today · 4.125%
HK$34,175
baseline
▲ 0.50% · 4.625%
HK$35,977
+HK$1,802/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$68,350/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$213,024 · 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).