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$16,390
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,900
−HK$518/mo
Today · 4.125%
HK$17,418
baseline
▲ 0.50% · 4.625%
HK$18,477
+HK$1,059/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,836/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,233
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,723
−HK$496/mo
Today · 4.125%
HK$19,219
baseline
▲ 0.50% · 4.625%
HK$20,232
+HK$1,013/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,438/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,668
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,280
−HK$621/mo
Today · 4.125%
HK$20,901
baseline
▲ 0.50% · 4.625%
HK$22,173
+HK$1,272/mo
Deposit HK$2.88M · loan HK$4.31M · min. income ≈ HK$41,802/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,880
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,467
−HK$595/mo
Today · 4.125%
HK$23,062
baseline
▲ 0.50% · 4.625%
HK$24,278
+HK$1,216/mo
Deposit HK$2.88M · loan HK$4.31M · min. income ≈ HK$46,124/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,946
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,659
−HK$726/mo
Today · 4.125%
HK$24,385
baseline
▲ 0.50% · 4.625%
HK$25,868
+HK$1,483/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,770/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,527
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,212
−HK$694/mo
Today · 4.125%
HK$26,906
baseline
▲ 0.50% · 4.625%
HK$28,324
+HK$1,418/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,812/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,502
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,419
−HK$933/mo
Today · 4.125%
HK$31,352
baseline
▲ 0.50% · 4.625%
HK$33,259
+HK$1,907/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,704/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,820
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,701
−HK$892/mo
Today · 4.125%
HK$34,593
baseline
▲ 0.50% · 4.625%
HK$36,417
+HK$1,824/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,186/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,632 · 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).