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$16,231
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,736
−HK$513/mo
Today · 4.125%
HK$17,249
baseline
▲ 0.50% · 4.625%
HK$18,298
+HK$1,049/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,498/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,057
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,541
−HK$491/mo
Today · 4.125%
HK$19,032
baseline
▲ 0.50% · 4.625%
HK$20,036
+HK$1,004/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,064/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,477
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,083
−HK$616/mo
Today · 4.125%
HK$20,699
baseline
▲ 0.50% · 4.625%
HK$21,958
+HK$1,259/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,398/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,668
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,249
−HK$590/mo
Today · 4.125%
HK$22,839
baseline
▲ 0.50% · 4.625%
HK$24,043
+HK$1,204/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,678/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,723
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,430
−HK$718/mo
Today · 4.125%
HK$24,148
baseline
▲ 0.50% · 4.625%
HK$25,618
+HK$1,470/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$48,296/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,280
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,958
−HK$687/mo
Today · 4.125%
HK$26,645
baseline
▲ 0.50% · 4.625%
HK$28,050
+HK$1,405/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$53,290/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,216
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,125
−HK$923/mo
Today · 4.125%
HK$31,048
baseline
▲ 0.50% · 4.625%
HK$32,937
+HK$1,889/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,096/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,502
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,374
−HK$884/mo
Today · 4.125%
HK$34,258
baseline
▲ 0.50% · 4.625%
HK$36,064
+HK$1,806/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,516/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,543 · 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).