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$17,113
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,646
−HK$540/mo
Today · 4.125%
HK$18,186
baseline
▲ 0.50% · 4.625%
HK$19,293
+HK$1,107/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$36,372/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,038
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,549
−HK$518/mo
Today · 4.125%
HK$20,067
baseline
▲ 0.50% · 4.625%
HK$21,125
+HK$1,058/mo
Deposit HK$3.75M · loan HK$3.75M · min. income ≈ HK$40,134/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,536
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,175
−HK$649/mo
Today · 4.125%
HK$21,824
baseline
▲ 0.50% · 4.625%
HK$23,152
+HK$1,328/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$43,648/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,846
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,459
−HK$621/mo
Today · 4.125%
HK$24,080
baseline
▲ 0.50% · 4.625%
HK$25,350
+HK$1,270/mo
Deposit HK$3.00M · loan HK$4.50M · min. income ≈ HK$48,160/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,959
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,704
−HK$757/mo
Today · 4.125%
HK$25,461
baseline
▲ 0.50% · 4.625%
HK$27,010
+HK$1,549/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$50,922/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,654
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,369
−HK$725/mo
Today · 4.125%
HK$28,094
baseline
▲ 0.50% · 4.625%
HK$29,575
+HK$1,481/mo
Deposit HK$2.25M · loan HK$5.25M · min. income ≈ HK$56,188/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,804
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,762
−HK$974/mo
Today · 4.125%
HK$32,736
baseline
▲ 0.50% · 4.625%
HK$34,728
+HK$1,992/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$65,472/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,269
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,188
−HK$933/mo
Today · 4.125%
HK$36,121
baseline
▲ 0.50% · 4.625%
HK$38,025
+HK$1,904/mo
Deposit HK$750K · loan HK$6.75M · min. income ≈ HK$72,242/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,150 · 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).