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$15,971
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,468
−HK$505/mo
Today · 4.125%
HK$16,973
baseline
▲ 0.50% · 4.625%
HK$18,005
+HK$1,032/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$33,946/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,768
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,244
−HK$484/mo
Today · 4.125%
HK$18,728
baseline
▲ 0.50% · 4.625%
HK$19,715
+HK$987/mo
Deposit HK$3.50M · loan HK$3.50M · min. income ≈ HK$37,456/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$210,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,165
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,761
−HK$606/mo
Today · 4.125%
HK$20,367
baseline
▲ 0.50% · 4.625%
HK$21,606
+HK$1,239/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$40,734/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,321
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,893
−HK$580/mo
Today · 4.125%
HK$22,473
baseline
▲ 0.50% · 4.625%
HK$23,658
+HK$1,185/mo
Deposit HK$2.80M · loan HK$4.20M · min. income ≈ HK$44,946/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$210,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,360
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,055
−HK$707/mo
Today · 4.125%
HK$23,762
baseline
▲ 0.50% · 4.625%
HK$25,207
+HK$1,445/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$47,524/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,875
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,542
−HK$677/mo
Today · 4.125%
HK$26,219
baseline
▲ 0.50% · 4.625%
HK$27,601
+HK$1,382/mo
Deposit HK$2.10M · loan HK$4.90M · min. income ≈ HK$52,438/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$210,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,748
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,642
−HK$909/mo
Today · 4.125%
HK$30,551
baseline
▲ 0.50% · 4.625%
HK$32,410
+HK$1,859/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$61,102/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,982
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,840
−HK$870/mo
Today · 4.125%
HK$33,710
baseline
▲ 0.50% · 4.625%
HK$35,487
+HK$1,777/mo
Deposit HK$700K · loan HK$6.30M · min. income ≈ HK$67,420/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$210,123 · 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).