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$16,285
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,791
−HK$515/mo
Today · 4.125%
HK$17,306
baseline
▲ 0.50% · 4.625%
HK$18,359
+HK$1,053/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,612/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,117
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,602
−HK$493/mo
Today · 4.125%
HK$19,095
baseline
▲ 0.50% · 4.625%
HK$20,102
+HK$1,007/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,190/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,542
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,149
−HK$618/mo
Today · 4.125%
HK$20,767
baseline
▲ 0.50% · 4.625%
HK$22,031
+HK$1,264/mo
Deposit HK$2.86M · loan HK$4.28M · min. income ≈ HK$41,534/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,740
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,323
−HK$591/mo
Today · 4.125%
HK$22,914
baseline
▲ 0.50% · 4.625%
HK$24,122
+HK$1,208/mo
Deposit HK$2.86M · loan HK$4.28M · min. income ≈ HK$45,828/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,799
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,508
−HK$720/mo
Today · 4.125%
HK$24,228
baseline
▲ 0.50% · 4.625%
HK$25,702
+HK$1,474/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,456/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,363
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,043
−HK$690/mo
Today · 4.125%
HK$26,733
baseline
▲ 0.50% · 4.625%
HK$28,143
+HK$1,410/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,466/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,312
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,224
−HK$927/mo
Today · 4.125%
HK$31,151
baseline
▲ 0.50% · 4.625%
HK$33,046
+HK$1,895/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$62,302/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,610
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,484
−HK$888/mo
Today · 4.125%
HK$34,372
baseline
▲ 0.50% · 4.625%
HK$36,183
+HK$1,811/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$68,744/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,248 · 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).