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$16,302
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,809
−HK$515/mo
Today · 4.125%
HK$17,324
baseline
▲ 0.50% · 4.625%
HK$18,378
+HK$1,054/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,648/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,136
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,622
−HK$493/mo
Today · 4.125%
HK$19,115
baseline
▲ 0.50% · 4.625%
HK$20,123
+HK$1,008/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,230/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,562
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,171
−HK$618/mo
Today · 4.125%
HK$20,789
baseline
▲ 0.50% · 4.625%
HK$22,054
+HK$1,265/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,578/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,763
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,346
−HK$592/mo
Today · 4.125%
HK$22,938
baseline
▲ 0.50% · 4.625%
HK$24,148
+HK$1,210/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,876/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,822
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,532
−HK$722/mo
Today · 4.125%
HK$24,254
baseline
▲ 0.50% · 4.625%
HK$25,729
+HK$1,475/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,508/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,390
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,071
−HK$690/mo
Today · 4.125%
HK$26,761
baseline
▲ 0.50% · 4.625%
HK$28,172
+HK$1,411/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,522/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,343
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,256
−HK$927/mo
Today · 4.125%
HK$31,183
baseline
▲ 0.50% · 4.625%
HK$33,081
+HK$1,898/mo
Deposit HK$715K · loan HK$6.43M · min. income ≈ HK$62,366/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,644
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,519
−HK$889/mo
Today · 4.125%
HK$34,408
baseline
▲ 0.50% · 4.625%
HK$36,221
+HK$1,813/mo
Deposit HK$715K · loan HK$6.43M · min. income ≈ HK$68,816/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,473 · 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).