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$16,273
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,779
−HK$515/mo
Today · 4.125%
HK$17,294
baseline
▲ 0.50% · 4.625%
HK$18,346
+HK$1,052/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,588/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,104
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,589
−HK$493/mo
Today · 4.125%
HK$19,082
baseline
▲ 0.50% · 4.625%
HK$20,088
+HK$1,006/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,164/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$214,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,528
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,135
−HK$617/mo
Today · 4.125%
HK$20,752
baseline
▲ 0.50% · 4.625%
HK$22,015
+HK$1,263/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,504/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,724
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,307
−HK$591/mo
Today · 4.125%
HK$22,898
baseline
▲ 0.50% · 4.625%
HK$24,105
+HK$1,207/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,796/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,782
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,491
−HK$720/mo
Today · 4.125%
HK$24,211
baseline
▲ 0.50% · 4.625%
HK$25,684
+HK$1,473/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,422/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,345
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,025
−HK$689/mo
Today · 4.125%
HK$26,714
baseline
▲ 0.50% · 4.625%
HK$28,123
+HK$1,409/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,428/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,292
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,203
−HK$925/mo
Today · 4.125%
HK$31,128
baseline
▲ 0.50% · 4.625%
HK$33,022
+HK$1,894/mo
Deposit HK$714K · loan HK$6.42M · min. income ≈ HK$62,256/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,587
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,460
−HK$887/mo
Today · 4.125%
HK$34,347
baseline
▲ 0.50% · 4.625%
HK$36,158
+HK$1,811/mo
Deposit HK$714K · loan HK$6.42M · min. income ≈ HK$68,694/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,096 · 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).