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$17,103
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$17,635
−HK$540/mo
Today · 4.125%
HK$18,175
baseline
▲ 0.50% · 4.625%
HK$19,281
+HK$1,106/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,350/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,027
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,537
−HK$517/mo
Today · 4.125%
HK$20,054
baseline
▲ 0.50% · 4.625%
HK$21,112
+HK$1,058/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,108/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,523
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,162
−HK$648/mo
Today · 4.125%
HK$21,810
baseline
▲ 0.50% · 4.625%
HK$23,137
+HK$1,327/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,620/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,832
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,444
−HK$621/mo
Today · 4.125%
HK$24,065
baseline
▲ 0.50% · 4.625%
HK$25,334
+HK$1,269/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,130/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,944
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$24,688
−HK$757/mo
Today · 4.125%
HK$25,445
baseline
▲ 0.50% · 4.625%
HK$26,993
+HK$1,548/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,890/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,637
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,352
−HK$724/mo
Today · 4.125%
HK$28,076
baseline
▲ 0.50% · 4.625%
HK$29,556
+HK$1,480/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,152/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,785
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,742
−HK$973/mo
Today · 4.125%
HK$32,715
baseline
▲ 0.50% · 4.625%
HK$34,706
+HK$1,991/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,430/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$225,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,248
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,166
−HK$932/mo
Today · 4.125%
HK$36,098
baseline
▲ 0.50% · 4.625%
HK$38,001
+HK$1,903/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,196/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$225,010 · 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).