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$16,350
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,859
−HK$517/mo
Today · 4.125%
HK$17,376
baseline
▲ 0.50% · 4.625%
HK$18,433
+HK$1,057/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,752/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,190
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,677
−HK$495/mo
Today · 4.125%
HK$19,172
baseline
▲ 0.50% · 4.625%
HK$20,183
+HK$1,011/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,344/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,620
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,231
−HK$620/mo
Today · 4.125%
HK$20,851
baseline
▲ 0.50% · 4.625%
HK$22,120
+HK$1,269/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,702/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,828
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,413
−HK$594/mo
Today · 4.125%
HK$23,007
baseline
▲ 0.50% · 4.625%
HK$24,220
+HK$1,213/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$46,014/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,890
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,603
−HK$723/mo
Today · 4.125%
HK$24,326
baseline
▲ 0.50% · 4.625%
HK$25,806
+HK$1,480/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,652/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,465
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,148
−HK$693/mo
Today · 4.125%
HK$26,841
baseline
▲ 0.50% · 4.625%
HK$28,256
+HK$1,415/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,682/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,431
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,346
−HK$930/mo
Today · 4.125%
HK$31,276
baseline
▲ 0.50% · 4.625%
HK$33,179
+HK$1,903/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$62,552/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,741
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,619
−HK$891/mo
Today · 4.125%
HK$34,510
baseline
▲ 0.50% · 4.625%
HK$36,329
+HK$1,819/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$69,020/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,112 · 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).