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$16,143
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,645
−HK$511/mo
Today · 4.125%
HK$17,156
baseline
▲ 0.50% · 4.625%
HK$18,199
+HK$1,043/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,312/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,959
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,441
−HK$488/mo
Today · 4.125%
HK$18,929
baseline
▲ 0.50% · 4.625%
HK$19,927
+HK$998/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,858/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,372
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,974
−HK$613/mo
Today · 4.125%
HK$20,587
baseline
▲ 0.50% · 4.625%
HK$21,839
+HK$1,252/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$41,174/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,551
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,129
−HK$586/mo
Today · 4.125%
HK$22,715
baseline
▲ 0.50% · 4.625%
HK$23,913
+HK$1,198/mo
Deposit HK$2.83M · loan HK$4.25M · min. income ≈ HK$45,430/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,601
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,304
−HK$714/mo
Today · 4.125%
HK$24,018
baseline
▲ 0.50% · 4.625%
HK$25,479
+HK$1,461/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$48,036/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,143
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,817
−HK$684/mo
Today · 4.125%
HK$26,501
baseline
▲ 0.50% · 4.625%
HK$27,898
+HK$1,397/mo
Deposit HK$2.12M · loan HK$4.96M · min. income ≈ HK$53,002/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,058
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,962
−HK$918/mo
Today · 4.125%
HK$30,880
baseline
▲ 0.50% · 4.625%
HK$32,759
+HK$1,879/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$61,760/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,327
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,194
−HK$879/mo
Today · 4.125%
HK$34,073
baseline
▲ 0.50% · 4.625%
HK$35,869
+HK$1,796/mo
Deposit HK$708K · loan HK$6.37M · min. income ≈ HK$68,146/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,388 · 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).