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$17,223
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,759
−HK$544/mo
Today · 4.125%
HK$18,303
baseline
▲ 0.50% · 4.625%
HK$19,417
+HK$1,114/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,606/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,161
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,674
−HK$522/mo
Today · 4.125%
HK$20,196
baseline
▲ 0.50% · 4.625%
HK$21,260
+HK$1,064/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,392/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,668
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,311
−HK$653/mo
Today · 4.125%
HK$21,964
baseline
▲ 0.50% · 4.625%
HK$23,300
+HK$1,336/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,928/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,993
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,609
−HK$626/mo
Today · 4.125%
HK$24,235
baseline
▲ 0.50% · 4.625%
HK$25,512
+HK$1,277/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,470/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,112
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,862
−HK$762/mo
Today · 4.125%
HK$25,624
baseline
▲ 0.50% · 4.625%
HK$27,184
+HK$1,560/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,248/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,825
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,544
−HK$730/mo
Today · 4.125%
HK$28,274
baseline
▲ 0.50% · 4.625%
HK$29,764
+HK$1,490/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,548/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,002
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,966
−HK$980/mo
Today · 4.125%
HK$32,946
baseline
▲ 0.50% · 4.625%
HK$34,950
+HK$2,004/mo
Deposit HK$755K · loan HK$6.80M · min. income ≈ HK$65,892/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,489
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,414
−HK$938/mo
Today · 4.125%
HK$36,352
baseline
▲ 0.50% · 4.625%
HK$38,268
+HK$1,916/mo
Deposit HK$755K · loan HK$6.80M · min. income ≈ HK$72,704/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,595 · 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).