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$15,983
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,480
−HK$506/mo
Today · 4.125%
HK$16,986
baseline
▲ 0.50% · 4.625%
HK$18,019
+HK$1,033/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,972/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,781
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,258
−HK$484/mo
Today · 4.125%
HK$18,742
baseline
▲ 0.50% · 4.625%
HK$19,730
+HK$988/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,484/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,180
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,776
−HK$607/mo
Today · 4.125%
HK$20,383
baseline
▲ 0.50% · 4.625%
HK$21,623
+HK$1,240/mo
Deposit HK$2.80M · loan HK$4.21M · min. income ≈ HK$40,766/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,337
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,910
−HK$580/mo
Today · 4.125%
HK$22,490
baseline
▲ 0.50% · 4.625%
HK$23,676
+HK$1,186/mo
Deposit HK$2.80M · loan HK$4.21M · min. income ≈ HK$44,980/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,377
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,073
−HK$707/mo
Today · 4.125%
HK$23,780
baseline
▲ 0.50% · 4.625%
HK$25,227
+HK$1,447/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$47,560/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,894
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,561
−HK$678/mo
Today · 4.125%
HK$26,239
baseline
▲ 0.50% · 4.625%
HK$27,622
+HK$1,383/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$52,478/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,770
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,665
−HK$909/mo
Today · 4.125%
HK$30,574
baseline
▲ 0.50% · 4.625%
HK$32,434
+HK$1,860/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$61,148/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,006
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,865
−HK$870/mo
Today · 4.125%
HK$33,735
baseline
▲ 0.50% · 4.625%
HK$35,514
+HK$1,779/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$67,470/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,283 · 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).