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$17,251
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,787
−HK$545/mo
Today · 4.125%
HK$18,332
baseline
▲ 0.50% · 4.625%
HK$19,448
+HK$1,116/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,664/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,191
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,706
−HK$522/mo
Today · 4.125%
HK$20,228
baseline
▲ 0.50% · 4.625%
HK$21,294
+HK$1,066/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,456/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,701
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,345
−HK$654/mo
Today · 4.125%
HK$21,999
baseline
▲ 0.50% · 4.625%
HK$23,337
+HK$1,338/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$43,998/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,029
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,647
−HK$627/mo
Today · 4.125%
HK$24,274
baseline
▲ 0.50% · 4.625%
HK$25,553
+HK$1,279/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,548/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,151
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,902
−HK$763/mo
Today · 4.125%
HK$25,665
baseline
▲ 0.50% · 4.625%
HK$27,227
+HK$1,562/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,330/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,868
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,588
−HK$731/mo
Today · 4.125%
HK$28,319
baseline
▲ 0.50% · 4.625%
HK$29,812
+HK$1,493/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,638/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,051
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,017
−HK$981/mo
Today · 4.125%
HK$32,998
baseline
▲ 0.50% · 4.625%
HK$35,006
+HK$2,008/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$65,996/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,544
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,470
−HK$940/mo
Today · 4.125%
HK$36,410
baseline
▲ 0.50% · 4.625%
HK$38,329
+HK$1,919/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$72,820/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,956 · 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).