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$16,074
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,574
−HK$508/mo
Today · 4.125%
HK$17,082
baseline
▲ 0.50% · 4.625%
HK$18,122
+HK$1,040/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,164/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,882
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,362
−HK$487/mo
Today · 4.125%
HK$18,849
baseline
▲ 0.50% · 4.625%
HK$19,842
+HK$993/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,698/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,289
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,889
−HK$610/mo
Today · 4.125%
HK$20,499
baseline
▲ 0.50% · 4.625%
HK$21,746
+HK$1,247/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$40,998/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,459
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,034
−HK$584/mo
Today · 4.125%
HK$22,618
baseline
▲ 0.50% · 4.625%
HK$23,810
+HK$1,192/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,236/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,504
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,204
−HK$711/mo
Today · 4.125%
HK$23,915
baseline
▲ 0.50% · 4.625%
HK$25,370
+HK$1,455/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,830/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,035
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,707
−HK$681/mo
Today · 4.125%
HK$26,388
baseline
▲ 0.50% · 4.625%
HK$27,779
+HK$1,391/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,776/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,934
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,834
−HK$914/mo
Today · 4.125%
HK$30,748
baseline
▲ 0.50% · 4.625%
HK$32,619
+HK$1,871/mo
Deposit HK$705K · loan HK$6.34M · min. income ≈ HK$61,496/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,188
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,052
−HK$875/mo
Today · 4.125%
HK$33,927
baseline
▲ 0.50% · 4.625%
HK$35,716
+HK$1,789/mo
Deposit HK$705K · loan HK$6.34M · min. income ≈ HK$67,854/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,479 · 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).