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$17,077
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,609
−HK$539/mo
Today · 4.125%
HK$18,148
baseline
▲ 0.50% · 4.625%
HK$19,253
+HK$1,105/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,296/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,999
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,508
−HK$517/mo
Today · 4.125%
HK$20,025
baseline
▲ 0.50% · 4.625%
HK$21,080
+HK$1,055/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,050/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,493
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,130
−HK$648/mo
Today · 4.125%
HK$21,778
baseline
▲ 0.50% · 4.625%
HK$23,103
+HK$1,325/mo
Deposit HK$3.00M · loan HK$4.49M · min. income ≈ HK$43,556/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,798
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,410
−HK$620/mo
Today · 4.125%
HK$24,030
baseline
▲ 0.50% · 4.625%
HK$25,297
+HK$1,267/mo
Deposit HK$3.00M · loan HK$4.49M · min. income ≈ HK$48,060/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,908
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,652
−HK$756/mo
Today · 4.125%
HK$25,408
baseline
▲ 0.50% · 4.625%
HK$26,954
+HK$1,546/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$50,816/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,598
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,311
−HK$724/mo
Today · 4.125%
HK$28,035
baseline
▲ 0.50% · 4.625%
HK$29,513
+HK$1,478/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$56,070/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,739
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,696
−HK$971/mo
Today · 4.125%
HK$32,667
baseline
▲ 0.50% · 4.625%
HK$34,655
+HK$1,988/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$65,334/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,197
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,114
−HK$931/mo
Today · 4.125%
HK$36,045
baseline
▲ 0.50% · 4.625%
HK$37,945
+HK$1,900/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$72,090/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,679 · 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).