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$20,279
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,910
−HK$641/mo
Today · 4.125%
HK$21,551
baseline
▲ 0.50% · 4.625%
HK$22,862
+HK$1,311/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,102/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,560
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,166
−HK$613/mo
Today · 4.125%
HK$23,779
baseline
▲ 0.50% · 4.625%
HK$25,033
+HK$1,254/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,558/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,335
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,092
−HK$769/mo
Today · 4.125%
HK$25,861
baseline
▲ 0.50% · 4.625%
HK$27,435
+HK$1,574/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,722/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,073
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,799
−HK$736/mo
Today · 4.125%
HK$28,535
baseline
▲ 0.50% · 4.625%
HK$30,039
+HK$1,504/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,070/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,391
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,274
−HK$897/mo
Today · 4.125%
HK$30,171
baseline
▲ 0.50% · 4.625%
HK$32,007
+HK$1,836/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,342/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,585
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,432
−HK$859/mo
Today · 4.125%
HK$33,291
baseline
▲ 0.50% · 4.625%
HK$35,046
+HK$1,755/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,582/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,503
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,638
−HK$1,154/mo
Today · 4.125%
HK$38,792
baseline
▲ 0.50% · 4.625%
HK$41,152
+HK$2,360/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$77,584/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,609
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,698
−HK$1,105/mo
Today · 4.125%
HK$42,803
baseline
▲ 0.50% · 4.625%
HK$45,059
+HK$2,256/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$85,606/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,803 · 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).