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$20,264
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,895
−HK$640/mo
Today · 4.125%
HK$21,535
baseline
▲ 0.50% · 4.625%
HK$22,846
+HK$1,311/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,070/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,544
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,149
−HK$613/mo
Today · 4.125%
HK$23,762
baseline
▲ 0.50% · 4.625%
HK$25,014
+HK$1,252/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,524/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,317
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,074
−HK$768/mo
Today · 4.125%
HK$25,842
baseline
▲ 0.50% · 4.625%
HK$27,415
+HK$1,573/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,684/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,053
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,778
−HK$736/mo
Today · 4.125%
HK$28,514
baseline
▲ 0.50% · 4.625%
HK$30,017
+HK$1,503/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$57,028/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,370
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,253
−HK$896/mo
Today · 4.125%
HK$30,149
baseline
▲ 0.50% · 4.625%
HK$31,984
+HK$1,835/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$60,298/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,562
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,408
−HK$859/mo
Today · 4.125%
HK$33,267
baseline
▲ 0.50% · 4.625%
HK$35,020
+HK$1,753/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$66,534/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,476
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,611
−HK$1,152/mo
Today · 4.125%
HK$38,763
baseline
▲ 0.50% · 4.625%
HK$41,122
+HK$2,359/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$77,526/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,579
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,667
−HK$1,105/mo
Today · 4.125%
HK$42,772
baseline
▲ 0.50% · 4.625%
HK$45,026
+HK$2,254/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$85,544/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,608 · 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).