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$16,305
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,813
−HK$515/mo
Today · 4.125%
HK$17,328
baseline
▲ 0.50% · 4.625%
HK$18,382
+HK$1,054/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,656/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,140
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,626
−HK$494/mo
Today · 4.125%
HK$19,120
baseline
▲ 0.50% · 4.625%
HK$20,127
+HK$1,007/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,240/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,566
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,175
−HK$618/mo
Today · 4.125%
HK$20,793
baseline
▲ 0.50% · 4.625%
HK$22,059
+HK$1,266/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,586/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,768
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,351
−HK$593/mo
Today · 4.125%
HK$22,944
baseline
▲ 0.50% · 4.625%
HK$24,153
+HK$1,209/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,888/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,828
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,538
−HK$721/mo
Today · 4.125%
HK$24,259
baseline
▲ 0.50% · 4.625%
HK$25,735
+HK$1,476/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,518/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,395
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,077
−HK$690/mo
Today · 4.125%
HK$26,767
baseline
▲ 0.50% · 4.625%
HK$28,178
+HK$1,411/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,534/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,350
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,263
−HK$927/mo
Today · 4.125%
HK$31,190
baseline
▲ 0.50% · 4.625%
HK$33,088
+HK$1,898/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$62,380/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,651
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,527
−HK$888/mo
Today · 4.125%
HK$34,415
baseline
▲ 0.50% · 4.625%
HK$36,229
+HK$1,814/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$68,830/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,521 · 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).