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$17,246
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,783
−HK$545/mo
Today · 4.125%
HK$18,328
baseline
▲ 0.50% · 4.625%
HK$19,443
+HK$1,115/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,656/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,186
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,701
−HK$522/mo
Today · 4.125%
HK$20,223
baseline
▲ 0.50% · 4.625%
HK$21,289
+HK$1,066/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,446/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,695
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,339
−HK$654/mo
Today · 4.125%
HK$21,993
baseline
▲ 0.50% · 4.625%
HK$23,331
+HK$1,338/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$43,986/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,023
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,641
−HK$626/mo
Today · 4.125%
HK$24,267
baseline
▲ 0.50% · 4.625%
HK$25,546
+HK$1,279/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,534/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,145
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,896
−HK$763/mo
Today · 4.125%
HK$25,659
baseline
▲ 0.50% · 4.625%
HK$27,220
+HK$1,561/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,318/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,861
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,581
−HK$731/mo
Today · 4.125%
HK$28,312
baseline
▲ 0.50% · 4.625%
HK$29,804
+HK$1,492/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,624/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,043
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,009
−HK$981/mo
Today · 4.125%
HK$32,990
baseline
▲ 0.50% · 4.625%
HK$34,997
+HK$2,007/mo
Deposit HK$756K · loan HK$6.81M · min. income ≈ HK$65,980/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,535
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,461
−HK$940/mo
Today · 4.125%
HK$36,401
baseline
▲ 0.50% · 4.625%
HK$38,320
+HK$1,919/mo
Deposit HK$756K · loan HK$6.81M · min. income ≈ HK$72,802/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,897 · 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).