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$17,120
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,652
−HK$541/mo
Today · 4.125%
HK$18,193
baseline
▲ 0.50% · 4.625%
HK$19,300
+HK$1,107/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,386/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,046
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,556
−HK$518/mo
Today · 4.125%
HK$20,074
baseline
▲ 0.50% · 4.625%
HK$21,133
+HK$1,059/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,148/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,544
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,183
−HK$649/mo
Today · 4.125%
HK$21,832
baseline
▲ 0.50% · 4.625%
HK$23,160
+HK$1,328/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,664/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,855
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,468
−HK$621/mo
Today · 4.125%
HK$24,089
baseline
▲ 0.50% · 4.625%
HK$25,359
+HK$1,270/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,178/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,968
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,713
−HK$758/mo
Today · 4.125%
HK$25,471
baseline
▲ 0.50% · 4.625%
HK$27,020
+HK$1,549/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,942/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,664
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,379
−HK$725/mo
Today · 4.125%
HK$28,104
baseline
▲ 0.50% · 4.625%
HK$29,586
+HK$1,482/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,208/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,815
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,774
−HK$974/mo
Today · 4.125%
HK$32,748
baseline
▲ 0.50% · 4.625%
HK$34,741
+HK$1,993/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,496/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,282
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,201
−HK$933/mo
Today · 4.125%
HK$36,134
baseline
▲ 0.50% · 4.625%
HK$38,039
+HK$1,905/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,268/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,235 · 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).