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$20,274
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,905
−HK$640/mo
Today · 4.125%
HK$21,545
baseline
▲ 0.50% · 4.625%
HK$22,856
+HK$1,311/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,090/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,554
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,159
−HK$614/mo
Today · 4.125%
HK$23,773
baseline
▲ 0.50% · 4.625%
HK$25,026
+HK$1,253/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,546/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,329
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,085
−HK$769/mo
Today · 4.125%
HK$25,854
baseline
▲ 0.50% · 4.625%
HK$27,427
+HK$1,573/mo
Deposit HK$3.56M · loan HK$5.33M · min. income ≈ HK$51,708/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,065
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,791
−HK$737/mo
Today · 4.125%
HK$28,528
baseline
▲ 0.50% · 4.625%
HK$30,031
+HK$1,503/mo
Deposit HK$3.56M · loan HK$5.33M · min. income ≈ HK$57,056/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,383
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,266
−HK$897/mo
Today · 4.125%
HK$30,163
baseline
▲ 0.50% · 4.625%
HK$31,999
+HK$1,836/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$60,326/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,576
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,423
−HK$859/mo
Today · 4.125%
HK$33,282
baseline
▲ 0.50% · 4.625%
HK$35,037
+HK$1,755/mo
Deposit HK$2.67M · loan HK$6.22M · min. income ≈ HK$66,564/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,493
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$37,628
−HK$1,153/mo
Today · 4.125%
HK$38,781
baseline
▲ 0.50% · 4.625%
HK$41,141
+HK$2,360/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$77,562/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,598
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$41,687
−HK$1,104/mo
Today · 4.125%
HK$42,791
baseline
▲ 0.50% · 4.625%
HK$45,047
+HK$2,256/mo
Deposit HK$889K · loan HK$8.00M · min. income ≈ HK$85,582/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,732 · 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).