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$15,981
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,478
−HK$505/mo
Today · 4.125%
HK$16,983
baseline
▲ 0.50% · 4.625%
HK$18,017
+HK$1,034/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,966/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,779
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,256
−HK$483/mo
Today · 4.125%
HK$18,739
baseline
▲ 0.50% · 4.625%
HK$19,727
+HK$988/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,478/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,177
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,774
−HK$606/mo
Today · 4.125%
HK$20,380
baseline
▲ 0.50% · 4.625%
HK$21,620
+HK$1,240/mo
Deposit HK$2.80M · loan HK$4.21M · min. income ≈ HK$40,760/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,334
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,907
−HK$580/mo
Today · 4.125%
HK$22,487
baseline
▲ 0.50% · 4.625%
HK$23,672
+HK$1,185/mo
Deposit HK$2.80M · loan HK$4.21M · min. income ≈ HK$44,974/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,373
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,069
−HK$707/mo
Today · 4.125%
HK$23,776
baseline
▲ 0.50% · 4.625%
HK$25,223
+HK$1,447/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$47,552/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,890
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,558
−HK$677/mo
Today · 4.125%
HK$26,235
baseline
▲ 0.50% · 4.625%
HK$27,618
+HK$1,383/mo
Deposit HK$2.10M · loan HK$4.91M · min. income ≈ HK$52,470/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,766
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,661
−HK$909/mo
Today · 4.125%
HK$30,570
baseline
▲ 0.50% · 4.625%
HK$32,430
+HK$1,860/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$61,140/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,002
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,860
−HK$871/mo
Today · 4.125%
HK$33,731
baseline
▲ 0.50% · 4.625%
HK$35,509
+HK$1,778/mo
Deposit HK$701K · loan HK$6.31M · min. income ≈ HK$67,462/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,253 · 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).