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$16,166
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,669
−HK$511/mo
Today · 4.125%
HK$17,180
baseline
▲ 0.50% · 4.625%
HK$18,225
+HK$1,045/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,360/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,985
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,467
−HK$489/mo
Today · 4.125%
HK$18,956
baseline
▲ 0.50% · 4.625%
HK$19,956
+HK$1,000/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,912/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,400
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$20,003
−HK$613/mo
Today · 4.125%
HK$20,616
baseline
▲ 0.50% · 4.625%
HK$21,870
+HK$1,254/mo
Deposit HK$2.84M · loan HK$4.25M · min. income ≈ HK$41,232/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,582
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,161
−HK$587/mo
Today · 4.125%
HK$22,748
baseline
▲ 0.50% · 4.625%
HK$23,947
+HK$1,199/mo
Deposit HK$2.84M · loan HK$4.25M · min. income ≈ HK$45,496/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,633
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,337
−HK$715/mo
Today · 4.125%
HK$24,052
baseline
▲ 0.50% · 4.625%
HK$25,516
+HK$1,464/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$48,104/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,179
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,854
−HK$685/mo
Today · 4.125%
HK$26,539
baseline
▲ 0.50% · 4.625%
HK$27,938
+HK$1,399/mo
Deposit HK$2.13M · loan HK$4.96M · min. income ≈ HK$53,078/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,099
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,004
−HK$920/mo
Today · 4.125%
HK$30,924
baseline
▲ 0.50% · 4.625%
HK$32,806
+HK$1,882/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$61,848/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,373
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,241
−HK$881/mo
Today · 4.125%
HK$34,122
baseline
▲ 0.50% · 4.625%
HK$35,920
+HK$1,798/mo
Deposit HK$709K · loan HK$6.38M · min. income ≈ HK$68,244/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,691 · 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).