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$16,416
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,926
−HK$519/mo
Today · 4.125%
HK$17,445
baseline
▲ 0.50% · 4.625%
HK$18,507
+HK$1,062/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,890/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$215,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,262
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,752
−HK$497/mo
Today · 4.125%
HK$19,249
baseline
▲ 0.50% · 4.625%
HK$20,264
+HK$1,015/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,498/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$215,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,699
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,312
−HK$622/mo
Today · 4.125%
HK$20,934
baseline
▲ 0.50% · 4.625%
HK$22,208
+HK$1,274/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,868/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$215,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,915
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,503
−HK$596/mo
Today · 4.125%
HK$23,099
baseline
▲ 0.50% · 4.625%
HK$24,316
+HK$1,217/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,198/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$215,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,982
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,697
−HK$726/mo
Today · 4.125%
HK$24,423
baseline
▲ 0.50% · 4.625%
HK$25,909
+HK$1,486/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,846/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$215,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,567
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,253
−HK$696/mo
Today · 4.125%
HK$26,949
baseline
▲ 0.50% · 4.625%
HK$28,369
+HK$1,420/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,898/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$215,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,548
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,467
−HK$934/mo
Today · 4.125%
HK$31,401
baseline
▲ 0.50% · 4.625%
HK$33,312
+HK$1,911/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,802/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$215,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,872
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,754
−HK$894/mo
Today · 4.125%
HK$34,648
baseline
▲ 0.50% · 4.625%
HK$36,475
+HK$1,827/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,296/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$215,973 · 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).