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$17,234
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,770
−HK$544/mo
Today · 4.125%
HK$18,314
baseline
▲ 0.50% · 4.625%
HK$19,429
+HK$1,115/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,628/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,172
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,686
−HK$522/mo
Today · 4.125%
HK$20,208
baseline
▲ 0.50% · 4.625%
HK$21,273
+HK$1,065/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,416/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,680
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,324
−HK$653/mo
Today · 4.125%
HK$21,977
baseline
▲ 0.50% · 4.625%
HK$23,314
+HK$1,337/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,954/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,007
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,624
−HK$626/mo
Today · 4.125%
HK$24,250
baseline
▲ 0.50% · 4.625%
HK$25,528
+HK$1,278/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,500/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,127
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,877
−HK$763/mo
Today · 4.125%
HK$25,640
baseline
▲ 0.50% · 4.625%
HK$27,200
+HK$1,560/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,280/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,841
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,561
−HK$730/mo
Today · 4.125%
HK$28,291
baseline
▲ 0.50% · 4.625%
HK$29,782
+HK$1,491/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,582/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,020
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,985
−HK$981/mo
Today · 4.125%
HK$32,966
baseline
▲ 0.50% · 4.625%
HK$34,972
+HK$2,006/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$65,932/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,510
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,435
−HK$939/mo
Today · 4.125%
HK$36,374
baseline
▲ 0.50% · 4.625%
HK$38,292
+HK$1,918/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$72,748/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,732 · 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).