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$16,339
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,847
−HK$516/mo
Today · 4.125%
HK$17,363
baseline
▲ 0.50% · 4.625%
HK$18,420
+HK$1,057/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,726/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,176
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,664
−HK$494/mo
Today · 4.125%
HK$19,158
baseline
▲ 0.50% · 4.625%
HK$20,168
+HK$1,010/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,316/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,606
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,216
−HK$620/mo
Today · 4.125%
HK$20,836
baseline
▲ 0.50% · 4.625%
HK$22,103
+HK$1,267/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,672/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,812
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,397
−HK$593/mo
Today · 4.125%
HK$22,990
baseline
▲ 0.50% · 4.625%
HK$24,202
+HK$1,212/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$45,980/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,874
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,585
−HK$723/mo
Today · 4.125%
HK$24,308
baseline
▲ 0.50% · 4.625%
HK$25,787
+HK$1,479/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,616/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,447
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,129
−HK$693/mo
Today · 4.125%
HK$26,822
baseline
▲ 0.50% · 4.625%
HK$28,236
+HK$1,414/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,644/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,409
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,324
−HK$930/mo
Today · 4.125%
HK$31,254
baseline
▲ 0.50% · 4.625%
HK$33,155
+HK$1,901/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$62,508/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,718
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,595
−HK$890/mo
Today · 4.125%
HK$34,485
baseline
▲ 0.50% · 4.625%
HK$36,303
+HK$1,818/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$68,970/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,957 · 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).