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$16,293
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,799
−HK$515/mo
Today · 4.125%
HK$17,314
baseline
▲ 0.50% · 4.625%
HK$18,368
+HK$1,054/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$34,628/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,125
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,612
−HK$493/mo
Today · 4.125%
HK$19,105
baseline
▲ 0.50% · 4.625%
HK$20,112
+HK$1,007/mo
Deposit HK$3.57M · loan HK$3.57M · min. income ≈ HK$38,210/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,551
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,159
−HK$618/mo
Today · 4.125%
HK$20,777
baseline
▲ 0.50% · 4.625%
HK$22,042
+HK$1,265/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,554/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,751
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,334
−HK$592/mo
Today · 4.125%
HK$22,926
baseline
▲ 0.50% · 4.625%
HK$24,134
+HK$1,208/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,852/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,810
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,519
−HK$721/mo
Today · 4.125%
HK$24,240
baseline
▲ 0.50% · 4.625%
HK$25,715
+HK$1,475/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$48,480/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,376
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,056
−HK$691/mo
Today · 4.125%
HK$26,747
baseline
▲ 0.50% · 4.625%
HK$28,156
+HK$1,409/mo
Deposit HK$2.14M · loan HK$5.00M · min. income ≈ HK$53,494/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,327
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,239
−HK$927/mo
Today · 4.125%
HK$31,166
baseline
▲ 0.50% · 4.625%
HK$33,062
+HK$1,896/mo
Deposit HK$715K · loan HK$6.43M · min. income ≈ HK$62,332/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,626
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,501
−HK$888/mo
Today · 4.125%
HK$34,389
baseline
▲ 0.50% · 4.625%
HK$36,201
+HK$1,812/mo
Deposit HK$715K · loan HK$6.43M · min. income ≈ HK$68,778/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$214,354 · 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).