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$16,298
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,805
−HK$515/mo
Today · 4.125%
HK$17,320
baseline
▲ 0.50% · 4.625%
HK$18,374
+HK$1,054/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,640/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,132
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,618
−HK$493/mo
Today · 4.125%
HK$19,111
baseline
▲ 0.50% · 4.625%
HK$20,119
+HK$1,008/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,222/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,558
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,166
−HK$619/mo
Today · 4.125%
HK$20,785
baseline
▲ 0.50% · 4.625%
HK$22,049
+HK$1,264/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,570/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,758
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,342
−HK$592/mo
Today · 4.125%
HK$22,934
baseline
▲ 0.50% · 4.625%
HK$24,143
+HK$1,209/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,868/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,818
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,527
−HK$722/mo
Today · 4.125%
HK$24,249
baseline
▲ 0.50% · 4.625%
HK$25,724
+HK$1,475/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,498/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,385
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,065
−HK$691/mo
Today · 4.125%
HK$26,756
baseline
▲ 0.50% · 4.625%
HK$28,166
+HK$1,410/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,512/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,337
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,250
−HK$927/mo
Today · 4.125%
HK$31,177
baseline
▲ 0.50% · 4.625%
HK$33,074
+HK$1,897/mo
Deposit HK$715K · loan HK$6.43M · min. income ≈ HK$62,354/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,637
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,513
−HK$888/mo
Today · 4.125%
HK$34,401
baseline
▲ 0.50% · 4.625%
HK$36,214
+HK$1,813/mo
Deposit HK$715K · loan HK$6.43M · min. income ≈ HK$68,802/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,429 · 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).