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$16,257
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,762
−HK$514/mo
Today · 4.125%
HK$17,276
baseline
▲ 0.50% · 4.625%
HK$18,327
+HK$1,051/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,552/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,085
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,570
−HK$492/mo
Today · 4.125%
HK$19,062
baseline
▲ 0.50% · 4.625%
HK$20,067
+HK$1,005/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,124/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,508
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,115
−HK$616/mo
Today · 4.125%
HK$20,731
baseline
▲ 0.50% · 4.625%
HK$21,993
+HK$1,262/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,462/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$213,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,702
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,284
−HK$591/mo
Today · 4.125%
HK$22,875
baseline
▲ 0.50% · 4.625%
HK$24,081
+HK$1,206/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,750/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$213,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,759
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,467
−HK$719/mo
Today · 4.125%
HK$24,186
baseline
▲ 0.50% · 4.625%
HK$25,658
+HK$1,472/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,372/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,319
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,998
−HK$689/mo
Today · 4.125%
HK$26,687
baseline
▲ 0.50% · 4.625%
HK$28,094
+HK$1,407/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,374/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,262
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,172
−HK$925/mo
Today · 4.125%
HK$31,097
baseline
▲ 0.50% · 4.625%
HK$32,989
+HK$1,892/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$62,194/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,553
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,427
−HK$885/mo
Today · 4.125%
HK$34,312
baseline
▲ 0.50% · 4.625%
HK$36,121
+HK$1,809/mo
Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$68,624/mo (50% DSR)
Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,879 · 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).