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$20,871
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,520
−HK$660/mo
Today · 4.125%
HK$22,180
baseline
▲ 0.50% · 4.625%
HK$23,530
+HK$1,350/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,360/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,219
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,842
−HK$631/mo
Today · 4.125%
HK$24,473
baseline
▲ 0.50% · 4.625%
HK$25,764
+HK$1,291/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,946/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,045
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,825
−HK$791/mo
Today · 4.125%
HK$26,616
baseline
▲ 0.50% · 4.625%
HK$28,236
+HK$1,620/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,232/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,863
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,610
−HK$758/mo
Today · 4.125%
HK$29,368
baseline
▲ 0.50% · 4.625%
HK$30,916
+HK$1,548/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,736/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,220
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,129
−HK$923/mo
Today · 4.125%
HK$31,052
baseline
▲ 0.50% · 4.625%
HK$32,942
+HK$1,890/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,104/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,507
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,378
−HK$885/mo
Today · 4.125%
HK$34,263
baseline
▲ 0.50% · 4.625%
HK$36,069
+HK$1,806/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,526/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,568
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,737
−HK$1,187/mo
Today · 4.125%
HK$39,924
baseline
▲ 0.50% · 4.625%
HK$42,353
+HK$2,429/mo
Deposit HK$915K · loan HK$8.24M · min. income ≈ HK$79,848/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,794
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,915
−HK$1,137/mo
Today · 4.125%
HK$44,052
baseline
▲ 0.50% · 4.625%
HK$46,374
+HK$2,322/mo
Deposit HK$915K · loan HK$8.24M · min. income ≈ HK$88,104/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,302 · 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).