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$17,222
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,758
−HK$544/mo
Today · 4.125%
HK$18,302
baseline
▲ 0.50% · 4.625%
HK$19,416
+HK$1,114/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,604/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,159
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,673
−HK$522/mo
Today · 4.125%
HK$20,195
baseline
▲ 0.50% · 4.625%
HK$21,259
+HK$1,064/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,390/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,667
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,309
−HK$654/mo
Today · 4.125%
HK$21,963
baseline
▲ 0.50% · 4.625%
HK$23,299
+HK$1,336/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,926/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,991
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,608
−HK$626/mo
Today · 4.125%
HK$24,234
baseline
▲ 0.50% · 4.625%
HK$25,511
+HK$1,277/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,468/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,111
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,861
−HK$762/mo
Today · 4.125%
HK$25,623
baseline
▲ 0.50% · 4.625%
HK$27,182
+HK$1,559/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,246/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,823
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,543
−HK$729/mo
Today · 4.125%
HK$28,272
baseline
▲ 0.50% · 4.625%
HK$29,763
+HK$1,491/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,544/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,000
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,964
−HK$980/mo
Today · 4.125%
HK$32,944
baseline
▲ 0.50% · 4.625%
HK$34,948
+HK$2,004/mo
Deposit HK$755K · loan HK$6.80M · min. income ≈ HK$65,888/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,487
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,412
−HK$938/mo
Today · 4.125%
HK$36,350
baseline
▲ 0.50% · 4.625%
HK$38,266
+HK$1,916/mo
Deposit HK$755K · loan HK$6.80M · min. income ≈ HK$72,700/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,582 · 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).