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$17,116
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,649
−HK$541/mo
Today · 4.125%
HK$18,190
baseline
▲ 0.50% · 4.625%
HK$19,296
+HK$1,106/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,380/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,042
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$19,552
−HK$518/mo
Today · 4.125%
HK$20,070
baseline
▲ 0.50% · 4.625%
HK$21,128
+HK$1,058/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,140/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,540
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,178
−HK$650/mo
Today · 4.125%
HK$21,828
baseline
▲ 0.50% · 4.625%
HK$23,156
+HK$1,328/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,656/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,850
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,463
−HK$622/mo
Today · 4.125%
HK$24,085
baseline
▲ 0.50% · 4.625%
HK$25,354
+HK$1,269/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,170/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,963
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,708
−HK$757/mo
Today · 4.125%
HK$25,465
baseline
▲ 0.50% · 4.625%
HK$27,015
+HK$1,550/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,930/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,658
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,373
−HK$726/mo
Today · 4.125%
HK$28,099
baseline
▲ 0.50% · 4.625%
HK$29,580
+HK$1,481/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,198/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,809
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,768
−HK$973/mo
Today · 4.125%
HK$32,741
baseline
▲ 0.50% · 4.625%
HK$34,733
+HK$1,992/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,482/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,275
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,194
−HK$933/mo
Today · 4.125%
HK$36,127
baseline
▲ 0.50% · 4.625%
HK$38,031
+HK$1,904/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,254/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,189 · 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).