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$20,869
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,518
−HK$660/mo
Today · 4.125%
HK$22,178
baseline
▲ 0.50% · 4.625%
HK$23,527
+HK$1,349/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,356/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,217
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,840
−HK$631/mo
Today · 4.125%
HK$24,471
baseline
▲ 0.50% · 4.625%
HK$25,761
+HK$1,290/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,942/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,043
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,822
−HK$792/mo
Today · 4.125%
HK$26,614
baseline
▲ 0.50% · 4.625%
HK$28,233
+HK$1,619/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,228/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,860
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,607
−HK$758/mo
Today · 4.125%
HK$29,365
baseline
▲ 0.50% · 4.625%
HK$30,913
+HK$1,548/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,730/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,217
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,126
−HK$923/mo
Today · 4.125%
HK$31,049
baseline
▲ 0.50% · 4.625%
HK$32,938
+HK$1,889/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,098/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,504
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,375
−HK$885/mo
Today · 4.125%
HK$34,260
baseline
▲ 0.50% · 4.625%
HK$36,066
+HK$1,806/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,520/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,565
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,733
−HK$1,187/mo
Today · 4.125%
HK$39,920
baseline
▲ 0.50% · 4.625%
HK$42,349
+HK$2,429/mo
Deposit HK$915K · loan HK$8.24M · min. income ≈ HK$79,840/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,790
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,911
−HK$1,137/mo
Today · 4.125%
HK$44,048
baseline
▲ 0.50% · 4.625%
HK$46,370
+HK$2,322/mo
Deposit HK$915K · loan HK$8.24M · min. income ≈ HK$88,096/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,217 · 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).