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$16,014
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,512
−HK$506/mo
Today · 4.125%
HK$17,018
baseline
▲ 0.50% · 4.625%
HK$18,054
+HK$1,036/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,036/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,816
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,293
−HK$485/mo
Today · 4.125%
HK$18,778
baseline
▲ 0.50% · 4.625%
HK$19,768
+HK$990/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,556/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,217
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,815
−HK$607/mo
Today · 4.125%
HK$20,422
baseline
▲ 0.50% · 4.625%
HK$21,665
+HK$1,243/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,844/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,379
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,952
−HK$582/mo
Today · 4.125%
HK$22,534
baseline
▲ 0.50% · 4.625%
HK$23,722
+HK$1,188/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,068/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,420
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,117
−HK$709/mo
Today · 4.125%
HK$23,826
baseline
▲ 0.50% · 4.625%
HK$25,276
+HK$1,450/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,652/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,942
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,611
−HK$678/mo
Today · 4.125%
HK$26,289
baseline
▲ 0.50% · 4.625%
HK$27,675
+HK$1,386/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,578/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,826
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,722
−HK$911/mo
Today · 4.125%
HK$30,633
baseline
▲ 0.50% · 4.625%
HK$32,497
+HK$1,864/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$61,266/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,068
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,928
−HK$873/mo
Today · 4.125%
HK$33,801
baseline
▲ 0.50% · 4.625%
HK$35,582
+HK$1,781/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$67,602/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,690 · 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).