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$20,918
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,569
−HK$661/mo
Today · 4.125%
HK$22,230
baseline
▲ 0.50% · 4.625%
HK$23,583
+HK$1,353/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,460/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$287,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,272
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,896
−HK$633/mo
Today · 4.125%
HK$24,529
baseline
▲ 0.50% · 4.625%
HK$25,822
+HK$1,293/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,058/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$287,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,102
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,883
−HK$793/mo
Today · 4.125%
HK$26,676
baseline
▲ 0.50% · 4.625%
HK$28,299
+HK$1,623/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,352/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,926
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,675
−HK$760/mo
Today · 4.125%
HK$29,435
baseline
▲ 0.50% · 4.625%
HK$30,986
+HK$1,551/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,870/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,286
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,197
−HK$925/mo
Today · 4.125%
HK$31,122
baseline
▲ 0.50% · 4.625%
HK$33,016
+HK$1,894/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,244/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,580
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,454
−HK$886/mo
Today · 4.125%
HK$34,340
baseline
▲ 0.50% · 4.625%
HK$36,151
+HK$1,811/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,680/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,653
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,824
−HK$1,190/mo
Today · 4.125%
HK$40,014
baseline
▲ 0.50% · 4.625%
HK$42,449
+HK$2,435/mo
Deposit HK$917K · loan HK$8.26M · min. income ≈ HK$80,028/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$287,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,889
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,012
−HK$1,140/mo
Today · 4.125%
HK$44,152
baseline
▲ 0.50% · 4.625%
HK$46,479
+HK$2,327/mo
Deposit HK$917K · loan HK$8.26M · min. income ≈ HK$88,304/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$287,373 · 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).