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$17,254
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,790
−HK$545/mo
Today · 4.125%
HK$18,335
baseline
▲ 0.50% · 4.625%
HK$19,451
+HK$1,116/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,670/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,194
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,709
−HK$522/mo
Today · 4.125%
HK$20,231
baseline
▲ 0.50% · 4.625%
HK$21,298
+HK$1,067/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,462/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,704
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,348
−HK$655/mo
Today · 4.125%
HK$22,003
baseline
▲ 0.50% · 4.625%
HK$23,341
+HK$1,338/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$44,006/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,033
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,651
−HK$627/mo
Today · 4.125%
HK$24,278
baseline
▲ 0.50% · 4.625%
HK$25,557
+HK$1,279/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,556/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,155
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,906
−HK$764/mo
Today · 4.125%
HK$25,670
baseline
▲ 0.50% · 4.625%
HK$27,232
+HK$1,562/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,340/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,872
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,593
−HK$731/mo
Today · 4.125%
HK$28,324
baseline
▲ 0.50% · 4.625%
HK$29,817
+HK$1,493/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,648/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,056
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,022
−HK$982/mo
Today · 4.125%
HK$33,004
baseline
▲ 0.50% · 4.625%
HK$35,012
+HK$2,008/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$66,008/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$226,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,550
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,477
−HK$940/mo
Today · 4.125%
HK$36,417
baseline
▲ 0.50% · 4.625%
HK$38,336
+HK$1,919/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$72,834/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$226,995 · 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).