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$16,345
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,853
−HK$517/mo
Today · 4.125%
HK$17,370
baseline
▲ 0.50% · 4.625%
HK$18,426
+HK$1,056/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,740/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,183
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,671
−HK$495/mo
Today · 4.125%
HK$19,166
baseline
▲ 0.50% · 4.625%
HK$20,176
+HK$1,010/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,332/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,613
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,224
−HK$619/mo
Today · 4.125%
HK$20,843
baseline
▲ 0.50% · 4.625%
HK$22,112
+HK$1,269/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,686/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,820
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,405
−HK$594/mo
Today · 4.125%
HK$22,999
baseline
▲ 0.50% · 4.625%
HK$24,211
+HK$1,212/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$45,998/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,882
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,594
−HK$723/mo
Today · 4.125%
HK$24,317
baseline
▲ 0.50% · 4.625%
HK$25,797
+HK$1,480/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,634/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,456
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,139
−HK$693/mo
Today · 4.125%
HK$26,832
baseline
▲ 0.50% · 4.625%
HK$28,246
+HK$1,414/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,664/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,420
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,335
−HK$930/mo
Today · 4.125%
HK$31,265
baseline
▲ 0.50% · 4.625%
HK$33,168
+HK$1,903/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$62,530/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,730
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,608
−HK$890/mo
Today · 4.125%
HK$34,498
baseline
▲ 0.50% · 4.625%
HK$36,316
+HK$1,818/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$68,996/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,037 · 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).