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$20,868
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,517
−HK$660/mo
Today · 4.125%
HK$22,177
baseline
▲ 0.50% · 4.625%
HK$23,526
+HK$1,349/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,354/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,215
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,838
−HK$632/mo
Today · 4.125%
HK$24,470
baseline
▲ 0.50% · 4.625%
HK$25,759
+HK$1,289/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,940/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,041
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,820
−HK$792/mo
Today · 4.125%
HK$26,612
baseline
▲ 0.50% · 4.625%
HK$28,231
+HK$1,619/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,224/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,858
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,606
−HK$758/mo
Today · 4.125%
HK$29,364
baseline
▲ 0.50% · 4.625%
HK$30,911
+HK$1,547/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,728/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,215
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,124
−HK$923/mo
Today · 4.125%
HK$31,047
baseline
▲ 0.50% · 4.625%
HK$32,936
+HK$1,889/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,094/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,501
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,373
−HK$884/mo
Today · 4.125%
HK$34,257
baseline
▲ 0.50% · 4.625%
HK$36,063
+HK$1,806/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,514/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,562
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,731
−HK$1,187/mo
Today · 4.125%
HK$39,918
baseline
▲ 0.50% · 4.625%
HK$42,347
+HK$2,429/mo
Deposit HK$915K · loan HK$8.24M · min. income ≈ HK$79,836/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,788
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,908
−HK$1,137/mo
Today · 4.125%
HK$44,045
baseline
▲ 0.50% · 4.625%
HK$46,367
+HK$2,322/mo
Deposit HK$915K · loan HK$8.24M · min. income ≈ HK$88,090/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,156 · 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).