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$16,286
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,792
−HK$515/mo
Today · 4.125%
HK$17,307
baseline
▲ 0.50% · 4.625%
HK$18,360
+HK$1,053/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,614/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,118
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,604
−HK$493/mo
Today · 4.125%
HK$19,097
baseline
▲ 0.50% · 4.625%
HK$20,103
+HK$1,006/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,194/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,543
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,151
−HK$617/mo
Today · 4.125%
HK$20,768
baseline
▲ 0.50% · 4.625%
HK$22,032
+HK$1,264/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,536/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,741
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,324
−HK$592/mo
Today · 4.125%
HK$22,916
baseline
▲ 0.50% · 4.625%
HK$24,124
+HK$1,208/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,832/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,800
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,509
−HK$721/mo
Today · 4.125%
HK$24,230
baseline
▲ 0.50% · 4.625%
HK$25,704
+HK$1,474/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,460/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,365
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,045
−HK$690/mo
Today · 4.125%
HK$26,735
baseline
▲ 0.50% · 4.625%
HK$28,145
+HK$1,410/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,470/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,314
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,226
−HK$927/mo
Today · 4.125%
HK$31,153
baseline
▲ 0.50% · 4.625%
HK$33,048
+HK$1,895/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$62,306/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,612
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,487
−HK$887/mo
Today · 4.125%
HK$34,374
baseline
▲ 0.50% · 4.625%
HK$36,186
+HK$1,812/mo
Deposit HK$714K · loan HK$6.43M · min. income ≈ HK$68,748/mo (50% DSR)
Upfront cash ≈ HK$928K (deposit + AVD stamp duty HK$214,263 · 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).