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$17,097
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,629
−HK$540/mo
Today · 4.125%
HK$18,169
baseline
▲ 0.50% · 4.625%
HK$19,275
+HK$1,106/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,338/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,020
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,530
−HK$518/mo
Today · 4.125%
HK$20,048
baseline
▲ 0.50% · 4.625%
HK$21,105
+HK$1,057/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,096/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,516
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,154
−HK$649/mo
Today · 4.125%
HK$21,803
baseline
▲ 0.50% · 4.625%
HK$23,130
+HK$1,327/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,606/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,824
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,436
−HK$621/mo
Today · 4.125%
HK$24,057
baseline
▲ 0.50% · 4.625%
HK$25,325
+HK$1,268/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,114/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,936
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,680
−HK$757/mo
Today · 4.125%
HK$25,437
baseline
▲ 0.50% · 4.625%
HK$26,984
+HK$1,547/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,874/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,628
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,342
−HK$725/mo
Today · 4.125%
HK$28,067
baseline
▲ 0.50% · 4.625%
HK$29,546
+HK$1,479/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,134/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,774
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,732
−HK$972/mo
Today · 4.125%
HK$32,704
baseline
▲ 0.50% · 4.625%
HK$34,694
+HK$1,990/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,408/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$224,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,236
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,155
−HK$931/mo
Today · 4.125%
HK$36,086
baseline
▲ 0.50% · 4.625%
HK$37,988
+HK$1,902/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,172/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$224,935 · 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).