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$16,098
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$16,599
−HK$508/mo
Today · 4.125%
HK$17,107
baseline
▲ 0.50% · 4.625%
HK$18,148
+HK$1,041/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$34,214/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,909
−HK$967/mo
▼ 0.25% · 3.875%
HK$18,389
−HK$487/mo
Today · 4.125%
HK$18,876
baseline
▲ 0.50% · 4.625%
HK$19,871
+HK$995/mo
Deposit HK$3.53M · loan HK$3.53M · min. income ≈ HK$37,752/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$211,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,318
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,918
−HK$611/mo
Today · 4.125%
HK$20,529
baseline
▲ 0.50% · 4.625%
HK$21,778
+HK$1,249/mo
Deposit HK$2.82M · loan HK$4.24M · min. income ≈ HK$41,058/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,491
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,067
−HK$585/mo
Today · 4.125%
HK$22,652
baseline
▲ 0.50% · 4.625%
HK$23,846
+HK$1,194/mo
Deposit HK$2.82M · loan HK$4.24M · min. income ≈ HK$45,304/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$211,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,537
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,238
−HK$712/mo
Today · 4.125%
HK$23,950
baseline
▲ 0.50% · 4.625%
HK$25,408
+HK$1,458/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$47,900/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,072
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,745
−HK$682/mo
Today · 4.125%
HK$26,427
baseline
▲ 0.50% · 4.625%
HK$27,820
+HK$1,393/mo
Deposit HK$2.12M · loan HK$4.94M · min. income ≈ HK$52,854/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$211,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,976
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,878
−HK$915/mo
Today · 4.125%
HK$30,793
baseline
▲ 0.50% · 4.625%
HK$32,667
+HK$1,874/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$61,586/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,236
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,100
−HK$877/mo
Today · 4.125%
HK$33,977
baseline
▲ 0.50% · 4.625%
HK$35,768
+HK$1,791/mo
Deposit HK$706K · loan HK$6.35M · min. income ≈ HK$67,954/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$211,792 · 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).