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$16,070
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,570
−HK$508/mo
Today · 4.125%
HK$17,078
baseline
▲ 0.50% · 4.625%
HK$18,117
+HK$1,039/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,156/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,878
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,358
−HK$486/mo
Today · 4.125%
HK$18,844
baseline
▲ 0.50% · 4.625%
HK$19,837
+HK$993/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,688/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,285
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,884
−HK$610/mo
Today · 4.125%
HK$20,494
baseline
▲ 0.50% · 4.625%
HK$21,741
+HK$1,247/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$40,988/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,454
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,029
−HK$584/mo
Today · 4.125%
HK$22,613
baseline
▲ 0.50% · 4.625%
HK$23,805
+HK$1,192/mo
Deposit HK$2.82M · loan HK$4.23M · min. income ≈ HK$45,226/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$211,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,499
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,199
−HK$711/mo
Today · 4.125%
HK$23,910
baseline
▲ 0.50% · 4.625%
HK$25,364
+HK$1,454/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$47,820/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,030
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,701
−HK$681/mo
Today · 4.125%
HK$26,382
baseline
▲ 0.50% · 4.625%
HK$27,772
+HK$1,390/mo
Deposit HK$2.11M · loan HK$4.93M · min. income ≈ HK$52,764/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,927
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,827
−HK$914/mo
Today · 4.125%
HK$30,741
baseline
▲ 0.50% · 4.625%
HK$32,611
+HK$1,870/mo
Deposit HK$705K · loan HK$6.34M · min. income ≈ HK$61,482/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,181
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,044
−HK$875/mo
Today · 4.125%
HK$33,919
baseline
▲ 0.50% · 4.625%
HK$35,707
+HK$1,788/mo
Deposit HK$705K · loan HK$6.34M · min. income ≈ HK$67,838/mo (50% DSR)
Upfront cash ≈ HK$916K (deposit + AVD stamp duty HK$211,431 · 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).