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$16,187
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,691
−HK$511/mo
Today · 4.125%
HK$17,202
baseline
▲ 0.50% · 4.625%
HK$18,249
+HK$1,047/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,404/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,008
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,491
−HK$490/mo
Today · 4.125%
HK$18,981
baseline
▲ 0.50% · 4.625%
HK$19,982
+HK$1,001/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,962/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,425
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,029
−HK$614/mo
Today · 4.125%
HK$20,643
baseline
▲ 0.50% · 4.625%
HK$21,899
+HK$1,256/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,286/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,610
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,189
−HK$588/mo
Today · 4.125%
HK$22,777
baseline
▲ 0.50% · 4.625%
HK$23,978
+HK$1,201/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,554/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,662
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,367
−HK$716/mo
Today · 4.125%
HK$24,083
baseline
▲ 0.50% · 4.625%
HK$25,549
+HK$1,466/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,166/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,212
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,888
−HK$686/mo
Today · 4.125%
HK$26,574
baseline
▲ 0.50% · 4.625%
HK$27,974
+HK$1,400/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,148/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,137
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,044
−HK$920/mo
Today · 4.125%
HK$30,964
baseline
▲ 0.50% · 4.625%
HK$32,849
+HK$1,885/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$61,928/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$212,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,415
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,284
−HK$882/mo
Today · 4.125%
HK$34,166
baseline
▲ 0.50% · 4.625%
HK$35,967
+HK$1,801/mo
Deposit HK$710K · loan HK$6.39M · min. income ≈ HK$68,332/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$212,968 · 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).