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$16,178
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$16,682
−HK$511/mo
Today · 4.125%
HK$17,193
baseline
▲ 0.50% · 4.625%
HK$18,239
+HK$1,046/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$34,386/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,998
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,481
−HK$490/mo
Today · 4.125%
HK$18,971
baseline
▲ 0.50% · 4.625%
HK$19,971
+HK$1,000/mo
Deposit HK$3.55M · loan HK$3.55M · min. income ≈ HK$37,942/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$212,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,414
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,018
−HK$613/mo
Today · 4.125%
HK$20,631
baseline
▲ 0.50% · 4.625%
HK$21,887
+HK$1,256/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$41,262/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,598
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,177
−HK$588/mo
Today · 4.125%
HK$22,765
baseline
▲ 0.50% · 4.625%
HK$23,965
+HK$1,200/mo
Deposit HK$2.84M · loan HK$4.26M · min. income ≈ HK$45,530/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$212,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,650
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,354
−HK$716/mo
Today · 4.125%
HK$24,070
baseline
▲ 0.50% · 4.625%
HK$25,535
+HK$1,465/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$48,140/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,198
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,873
−HK$686/mo
Today · 4.125%
HK$26,559
baseline
▲ 0.50% · 4.625%
HK$27,959
+HK$1,400/mo
Deposit HK$2.13M · loan HK$4.97M · min. income ≈ HK$53,118/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$212,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,121
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,027
−HK$920/mo
Today · 4.125%
HK$30,947
baseline
▲ 0.50% · 4.625%
HK$32,830
+HK$1,883/mo
Deposit HK$709K · loan HK$6.39M · min. income ≈ HK$61,894/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,397
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,266
−HK$881/mo
Today · 4.125%
HK$34,147
baseline
▲ 0.50% · 4.625%
HK$35,947
+HK$1,800/mo
Deposit HK$709K · loan HK$6.39M · min. income ≈ HK$68,294/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$212,850 · 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).