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$16,153
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,656
−HK$510/mo
Today · 4.125%
HK$17,166
baseline
▲ 0.50% · 4.625%
HK$18,211
+HK$1,045/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,332/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,970
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,452
−HK$489/mo
Today · 4.125%
HK$18,941
baseline
▲ 0.50% · 4.625%
HK$19,939
+HK$998/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,882/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,384
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,987
−HK$612/mo
Today · 4.125%
HK$20,599
baseline
▲ 0.50% · 4.625%
HK$21,853
+HK$1,254/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,198/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,564
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,143
−HK$586/mo
Today · 4.125%
HK$22,729
baseline
▲ 0.50% · 4.625%
HK$23,927
+HK$1,198/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,458/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,614
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,318
−HK$714/mo
Today · 4.125%
HK$24,032
baseline
▲ 0.50% · 4.625%
HK$25,495
+HK$1,463/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,064/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,158
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,833
−HK$684/mo
Today · 4.125%
HK$26,517
baseline
▲ 0.50% · 4.625%
HK$27,915
+HK$1,398/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,034/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,076
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,980
−HK$919/mo
Today · 4.125%
HK$30,899
baseline
▲ 0.50% · 4.625%
HK$32,779
+HK$1,880/mo
Deposit HK$708K · loan HK$6.38M · min. income ≈ HK$61,798/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,346
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,214
−HK$880/mo
Today · 4.125%
HK$34,094
baseline
▲ 0.50% · 4.625%
HK$35,891
+HK$1,797/mo
Deposit HK$708K · loan HK$6.38M · min. income ≈ HK$68,188/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$212,517 · 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).