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$16,136
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,638
−HK$510/mo
Today · 4.125%
HK$17,148
baseline
▲ 0.50% · 4.625%
HK$18,191
+HK$1,043/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,296/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,951
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,433
−HK$488/mo
Today · 4.125%
HK$18,921
baseline
▲ 0.50% · 4.625%
HK$19,918
+HK$997/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,842/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,363
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,966
−HK$611/mo
Today · 4.125%
HK$20,577
baseline
▲ 0.50% · 4.625%
HK$21,830
+HK$1,253/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,154/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,541
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,119
−HK$586/mo
Today · 4.125%
HK$22,705
baseline
▲ 0.50% · 4.625%
HK$23,902
+HK$1,197/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,410/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,590
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,293
−HK$714/mo
Today · 4.125%
HK$24,007
baseline
▲ 0.50% · 4.625%
HK$25,468
+HK$1,461/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$48,014/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,132
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,806
−HK$683/mo
Today · 4.125%
HK$26,489
baseline
▲ 0.50% · 4.625%
HK$27,886
+HK$1,397/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,978/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,045
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,948
−HK$918/mo
Today · 4.125%
HK$30,866
baseline
▲ 0.50% · 4.625%
HK$32,744
+HK$1,878/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,732/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,312
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,179
−HK$879/mo
Today · 4.125%
HK$34,058
baseline
▲ 0.50% · 4.625%
HK$35,853
+HK$1,795/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,116/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,292 · 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).