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$20,893
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,543
−HK$660/mo
Today · 4.125%
HK$22,203
baseline
▲ 0.50% · 4.625%
HK$23,554
+HK$1,351/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,406/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,243
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,866
−HK$633/mo
Today · 4.125%
HK$24,499
baseline
▲ 0.50% · 4.625%
HK$25,790
+HK$1,291/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,998/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,071
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,851
−HK$793/mo
Today · 4.125%
HK$26,644
baseline
▲ 0.50% · 4.625%
HK$28,265
+HK$1,621/mo
Deposit HK$3.66M · loan HK$5.50M · min. income ≈ HK$53,288/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,892
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,640
−HK$759/mo
Today · 4.125%
HK$29,399
baseline
▲ 0.50% · 4.625%
HK$30,948
+HK$1,549/mo
Deposit HK$3.66M · loan HK$5.50M · min. income ≈ HK$58,798/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,250
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,160
−HK$924/mo
Today · 4.125%
HK$31,084
baseline
▲ 0.50% · 4.625%
HK$32,976
+HK$1,892/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,168/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$286,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,540
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,413
−HK$885/mo
Today · 4.125%
HK$34,298
baseline
▲ 0.50% · 4.625%
HK$36,106
+HK$1,808/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,596/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$286,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,607
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,777
−HK$1,188/mo
Today · 4.125%
HK$39,965
baseline
▲ 0.50% · 4.625%
HK$42,397
+HK$2,432/mo
Deposit HK$916K · loan HK$8.25M · min. income ≈ HK$79,930/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,838
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,960
−HK$1,138/mo
Today · 4.125%
HK$44,098
baseline
▲ 0.50% · 4.625%
HK$46,422
+HK$2,324/mo
Deposit HK$916K · loan HK$8.25M · min. income ≈ HK$88,196/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,249 · 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).