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$16,480
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$16,993
−HK$521/mo
Today · 4.125%
HK$17,514
baseline
▲ 0.50% · 4.625%
HK$18,579
+HK$1,065/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$35,028/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,334
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,826
−HK$499/mo
Today · 4.125%
HK$19,325
baseline
▲ 0.50% · 4.625%
HK$20,343
+HK$1,018/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,650/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,776
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,391
−HK$625/mo
Today · 4.125%
HK$21,016
baseline
▲ 0.50% · 4.625%
HK$22,295
+HK$1,279/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,032/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,001
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,591
−HK$598/mo
Today · 4.125%
HK$23,189
baseline
▲ 0.50% · 4.625%
HK$24,412
+HK$1,223/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,378/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,072
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,790
−HK$729/mo
Today · 4.125%
HK$24,519
baseline
▲ 0.50% · 4.625%
HK$26,011
+HK$1,492/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,038/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,668
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,356
−HK$698/mo
Today · 4.125%
HK$27,054
baseline
▲ 0.50% · 4.625%
HK$28,480
+HK$1,426/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,108/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,664
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,587
−HK$938/mo
Today · 4.125%
HK$31,525
baseline
▲ 0.50% · 4.625%
HK$33,443
+HK$1,918/mo
Deposit HK$723K · loan HK$6.50M · min. income ≈ HK$63,050/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,001
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,886
−HK$898/mo
Today · 4.125%
HK$34,784
baseline
▲ 0.50% · 4.625%
HK$36,618
+HK$1,834/mo
Deposit HK$723K · loan HK$6.50M · min. income ≈ HK$69,568/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,820 · 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).