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$16,218
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,722
−HK$513/mo
Today · 4.125%
HK$17,235
baseline
▲ 0.50% · 4.625%
HK$18,284
+HK$1,049/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,470/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,042
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,526
−HK$491/mo
Today · 4.125%
HK$19,017
baseline
▲ 0.50% · 4.625%
HK$20,020
+HK$1,003/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,034/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,462
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,067
−HK$615/mo
Today · 4.125%
HK$20,682
baseline
▲ 0.50% · 4.625%
HK$21,940
+HK$1,258/mo
Deposit HK$2.84M · loan HK$4.27M · min. income ≈ HK$41,364/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,651
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,232
−HK$589/mo
Today · 4.125%
HK$22,821
baseline
▲ 0.50% · 4.625%
HK$24,023
+HK$1,202/mo
Deposit HK$2.84M · loan HK$4.27M · min. income ≈ HK$45,642/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,705
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,411
−HK$718/mo
Today · 4.125%
HK$24,129
baseline
▲ 0.50% · 4.625%
HK$25,597
+HK$1,468/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$48,258/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,259
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,937
−HK$687/mo
Today · 4.125%
HK$26,624
baseline
▲ 0.50% · 4.625%
HK$28,027
+HK$1,403/mo
Deposit HK$2.13M · loan HK$4.98M · min. income ≈ HK$53,248/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,192
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,100
−HK$923/mo
Today · 4.125%
HK$31,023
baseline
▲ 0.50% · 4.625%
HK$32,911
+HK$1,888/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$62,046/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,476
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,347
−HK$884/mo
Today · 4.125%
HK$34,231
baseline
▲ 0.50% · 4.625%
HK$36,035
+HK$1,804/mo
Deposit HK$711K · loan HK$6.40M · min. income ≈ HK$68,462/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,371 · 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).