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$20,884
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,533
−HK$660/mo
Today · 4.125%
HK$22,193
baseline
▲ 0.50% · 4.625%
HK$23,544
+HK$1,351/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,386/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$285,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,233
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,856
−HK$632/mo
Today · 4.125%
HK$24,488
baseline
▲ 0.50% · 4.625%
HK$25,779
+HK$1,291/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,976/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$285,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,060
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,840
−HK$792/mo
Today · 4.125%
HK$26,632
baseline
▲ 0.50% · 4.625%
HK$28,252
+HK$1,620/mo
Deposit HK$3.66M · loan HK$5.50M · min. income ≈ HK$53,264/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,879
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,627
−HK$759/mo
Today · 4.125%
HK$29,386
baseline
▲ 0.50% · 4.625%
HK$30,935
+HK$1,549/mo
Deposit HK$3.66M · loan HK$5.50M · min. income ≈ HK$58,772/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,237
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,146
−HK$924/mo
Today · 4.125%
HK$31,070
baseline
▲ 0.50% · 4.625%
HK$32,961
+HK$1,891/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,140/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,526
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,398
−HK$885/mo
Today · 4.125%
HK$34,283
baseline
▲ 0.50% · 4.625%
HK$36,090
+HK$1,807/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,566/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,590
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,760
−HK$1,188/mo
Today · 4.125%
HK$39,948
baseline
▲ 0.50% · 4.625%
HK$42,378
+HK$2,430/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$79,896/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,819
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,941
−HK$1,137/mo
Today · 4.125%
HK$44,078
baseline
▲ 0.50% · 4.625%
HK$46,402
+HK$2,324/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$88,156/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,845 · 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).