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$16,411
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,921
−HK$519/mo
Today · 4.125%
HK$17,440
baseline
▲ 0.50% · 4.625%
HK$18,501
+HK$1,061/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,880/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,257
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,746
−HK$497/mo
Today · 4.125%
HK$19,243
baseline
▲ 0.50% · 4.625%
HK$20,257
+HK$1,014/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,486/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,693
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,305
−HK$623/mo
Today · 4.125%
HK$20,928
baseline
▲ 0.50% · 4.625%
HK$22,201
+HK$1,273/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,856/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,908
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,495
−HK$596/mo
Today · 4.125%
HK$23,091
baseline
▲ 0.50% · 4.625%
HK$24,309
+HK$1,218/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,182/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,975
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,689
−HK$726/mo
Today · 4.125%
HK$24,415
baseline
▲ 0.50% · 4.625%
HK$25,901
+HK$1,486/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,830/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,559
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,245
−HK$695/mo
Today · 4.125%
HK$26,940
baseline
▲ 0.50% · 4.625%
HK$28,360
+HK$1,420/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,880/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,539
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,458
−HK$933/mo
Today · 4.125%
HK$31,391
baseline
▲ 0.50% · 4.625%
HK$33,301
+HK$1,910/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,782/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$215,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,862
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,743
−HK$894/mo
Today · 4.125%
HK$34,637
baseline
▲ 0.50% · 4.625%
HK$36,463
+HK$1,826/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,274/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$215,904 · 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).