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$16,148
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,650
−HK$510/mo
Today · 4.125%
HK$17,160
baseline
▲ 0.50% · 4.625%
HK$18,204
+HK$1,044/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,320/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,964
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,446
−HK$489/mo
Today · 4.125%
HK$18,935
baseline
▲ 0.50% · 4.625%
HK$19,933
+HK$998/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,870/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,377
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,980
−HK$612/mo
Today · 4.125%
HK$20,592
baseline
▲ 0.50% · 4.625%
HK$21,845
+HK$1,253/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,184/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,557
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,135
−HK$586/mo
Today · 4.125%
HK$22,721
baseline
▲ 0.50% · 4.625%
HK$23,919
+HK$1,198/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,442/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,607
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,310
−HK$714/mo
Today · 4.125%
HK$24,024
baseline
▲ 0.50% · 4.625%
HK$25,486
+HK$1,462/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$48,048/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,150
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,824
−HK$684/mo
Today · 4.125%
HK$26,508
baseline
▲ 0.50% · 4.625%
HK$27,906
+HK$1,398/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$53,016/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,066
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,970
−HK$918/mo
Today · 4.125%
HK$30,888
baseline
▲ 0.50% · 4.625%
HK$32,768
+HK$1,880/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,776/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,335
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,202
−HK$880/mo
Today · 4.125%
HK$34,082
baseline
▲ 0.50% · 4.625%
HK$35,879
+HK$1,797/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,164/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,445 · 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).