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$17,241
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,777
−HK$545/mo
Today · 4.125%
HK$18,322
baseline
▲ 0.50% · 4.625%
HK$19,437
+HK$1,115/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,644/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,181
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,695
−HK$522/mo
Today · 4.125%
HK$20,217
baseline
▲ 0.50% · 4.625%
HK$21,283
+HK$1,066/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,434/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,689
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,333
−HK$654/mo
Today · 4.125%
HK$21,987
baseline
▲ 0.50% · 4.625%
HK$23,325
+HK$1,338/mo
Deposit HK$3.02M · loan HK$4.54M · min. income ≈ HK$43,974/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,017
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,634
−HK$626/mo
Today · 4.125%
HK$24,260
baseline
▲ 0.50% · 4.625%
HK$25,539
+HK$1,279/mo
Deposit HK$3.02M · loan HK$4.54M · min. income ≈ HK$48,520/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,138
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,888
−HK$763/mo
Today · 4.125%
HK$25,651
baseline
▲ 0.50% · 4.625%
HK$27,212
+HK$1,561/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,302/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,853
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,573
−HK$731/mo
Today · 4.125%
HK$28,304
baseline
▲ 0.50% · 4.625%
HK$29,796
+HK$1,492/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,608/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,034
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,999
−HK$981/mo
Today · 4.125%
HK$32,980
baseline
▲ 0.50% · 4.625%
HK$34,987
+HK$2,007/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$65,960/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,525
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,451
−HK$939/mo
Today · 4.125%
HK$36,390
baseline
▲ 0.50% · 4.625%
HK$38,309
+HK$1,919/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$72,780/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,832 · 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).