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$1,271/mo
▼ 0.25% · 3.875%
HK$20,910
−HK$640/mo
Today · 4.125%
HK$21,550
baseline
▲ 0.50% · 4.625%
HK$22,862
+HK$1,312/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,100/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,560
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,165
−HK$614/mo
Today · 4.125%
HK$23,779
baseline
▲ 0.50% · 4.625%
HK$25,032
+HK$1,253/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$266,797 · 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$27,434
+HK$1,573/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$266,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,072
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,798
−HK$737/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$266,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,390
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,273
−HK$898/mo
Today · 4.125%
HK$30,171
baseline
▲ 0.50% · 4.625%
HK$32,006
+HK$1,835/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$266,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,584
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,431
−HK$859/mo
Today · 4.125%
HK$33,290
baseline
▲ 0.50% · 4.625%
HK$35,045
+HK$1,755/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,580/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,502
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,637
−HK$1,154/mo
Today · 4.125%
HK$38,791
baseline
▲ 0.50% · 4.625%
HK$41,151
+HK$2,360/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$77,582/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,608
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,697
−HK$1,105/mo
Today · 4.125%
HK$42,802
baseline
▲ 0.50% · 4.625%
HK$45,058
+HK$2,256/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$85,604/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,797 · 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).