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$15,963
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,460
−HK$504/mo
Today · 4.125%
HK$16,964
baseline
▲ 0.50% · 4.625%
HK$17,996
+HK$1,032/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,928/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,759
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,235
−HK$483/mo
Today · 4.125%
HK$18,718
baseline
▲ 0.50% · 4.625%
HK$19,705
+HK$987/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,436/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,156
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,752
−HK$605/mo
Today · 4.125%
HK$20,357
baseline
▲ 0.50% · 4.625%
HK$21,596
+HK$1,239/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,714/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,311
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,882
−HK$580/mo
Today · 4.125%
HK$22,462
baseline
▲ 0.50% · 4.625%
HK$23,646
+HK$1,184/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,924/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,348
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,043
−HK$707/mo
Today · 4.125%
HK$23,750
baseline
▲ 0.50% · 4.625%
HK$25,195
+HK$1,445/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,500/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,862
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,529
−HK$677/mo
Today · 4.125%
HK$26,206
baseline
▲ 0.50% · 4.625%
HK$27,587
+HK$1,381/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,412/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,734
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,627
−HK$908/mo
Today · 4.125%
HK$30,535
baseline
▲ 0.50% · 4.625%
HK$32,393
+HK$1,858/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,070/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$210,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,966
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,823
−HK$870/mo
Today · 4.125%
HK$33,693
baseline
▲ 0.50% · 4.625%
HK$35,469
+HK$1,776/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,386/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$210,017 · 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).