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$16,300
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,807
−HK$515/mo
Today · 4.125%
HK$17,322
baseline
▲ 0.50% · 4.625%
HK$18,376
+HK$1,054/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,644/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,134
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,620
−HK$493/mo
Today · 4.125%
HK$19,113
baseline
▲ 0.50% · 4.625%
HK$20,121
+HK$1,008/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,226/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,560
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,169
−HK$618/mo
Today · 4.125%
HK$20,787
baseline
▲ 0.50% · 4.625%
HK$22,052
+HK$1,265/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,574/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,760
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,344
−HK$592/mo
Today · 4.125%
HK$22,936
baseline
▲ 0.50% · 4.625%
HK$24,145
+HK$1,209/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,872/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,820
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,530
−HK$721/mo
Today · 4.125%
HK$24,251
baseline
▲ 0.50% · 4.625%
HK$25,727
+HK$1,476/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,502/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,387
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,068
−HK$691/mo
Today · 4.125%
HK$26,759
baseline
▲ 0.50% · 4.625%
HK$28,169
+HK$1,410/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,518/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,340
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,253
−HK$927/mo
Today · 4.125%
HK$31,180
baseline
▲ 0.50% · 4.625%
HK$33,077
+HK$1,897/mo
Deposit HK$715K · loan HK$6.43M · min. income ≈ HK$62,360/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,641
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,516
−HK$888/mo
Today · 4.125%
HK$34,404
baseline
▲ 0.50% · 4.625%
HK$36,218
+HK$1,814/mo
Deposit HK$715K · loan HK$6.43M · min. income ≈ HK$68,808/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,452 · 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).