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$16,017
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,515
−HK$506/mo
Today · 4.125%
HK$17,021
baseline
▲ 0.50% · 4.625%
HK$18,057
+HK$1,036/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,042/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,818
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,296
−HK$485/mo
Today · 4.125%
HK$18,781
baseline
▲ 0.50% · 4.625%
HK$19,771
+HK$990/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,562/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,220
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,818
−HK$607/mo
Today · 4.125%
HK$20,425
baseline
▲ 0.50% · 4.625%
HK$21,668
+HK$1,243/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,850/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,382
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,955
−HK$582/mo
Today · 4.125%
HK$22,537
baseline
▲ 0.50% · 4.625%
HK$23,725
+HK$1,188/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,074/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,423
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,121
−HK$708/mo
Today · 4.125%
HK$23,829
baseline
▲ 0.50% · 4.625%
HK$25,279
+HK$1,450/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,658/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,946
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,615
−HK$678/mo
Today · 4.125%
HK$26,293
baseline
▲ 0.50% · 4.625%
HK$27,679
+HK$1,386/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,586/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,830
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,727
−HK$911/mo
Today · 4.125%
HK$30,638
baseline
▲ 0.50% · 4.625%
HK$32,502
+HK$1,864/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$61,276/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,073
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,933
−HK$873/mo
Today · 4.125%
HK$33,806
baseline
▲ 0.50% · 4.625%
HK$35,588
+HK$1,782/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$67,612/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$210,722 · 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).