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$16,318
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,825
−HK$516/mo
Today · 4.125%
HK$17,341
baseline
▲ 0.50% · 4.625%
HK$18,396
+HK$1,055/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,682/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,153
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,640
−HK$494/mo
Today · 4.125%
HK$19,134
baseline
▲ 0.50% · 4.625%
HK$20,143
+HK$1,009/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,268/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,581
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,191
−HK$618/mo
Today · 4.125%
HK$20,809
baseline
▲ 0.50% · 4.625%
HK$22,076
+HK$1,267/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,618/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,784
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,368
−HK$593/mo
Today · 4.125%
HK$22,961
baseline
▲ 0.50% · 4.625%
HK$24,171
+HK$1,210/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,922/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,845
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,556
−HK$722/mo
Today · 4.125%
HK$24,278
baseline
▲ 0.50% · 4.625%
HK$25,755
+HK$1,477/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,556/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,415
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,096
−HK$692/mo
Today · 4.125%
HK$26,788
baseline
▲ 0.50% · 4.625%
HK$28,200
+HK$1,412/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,576/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,372
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,286
−HK$928/mo
Today · 4.125%
HK$31,214
baseline
▲ 0.50% · 4.625%
HK$33,113
+HK$1,899/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$62,428/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,676
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,553
−HK$889/mo
Today · 4.125%
HK$34,442
baseline
▲ 0.50% · 4.625%
HK$36,257
+HK$1,815/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$68,884/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,685 · 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).