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$20,895
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,545
−HK$660/mo
Today · 4.125%
HK$22,205
baseline
▲ 0.50% · 4.625%
HK$23,557
+HK$1,352/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,410/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,246
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,869
−HK$632/mo
Today · 4.125%
HK$24,501
baseline
▲ 0.50% · 4.625%
HK$25,793
+HK$1,292/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$49,002/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,074
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,854
−HK$793/mo
Today · 4.125%
HK$26,647
baseline
▲ 0.50% · 4.625%
HK$28,268
+HK$1,621/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,294/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,895
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,643
−HK$759/mo
Today · 4.125%
HK$29,402
baseline
▲ 0.50% · 4.625%
HK$30,952
+HK$1,550/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,804/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,253
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,163
−HK$925/mo
Today · 4.125%
HK$31,088
baseline
▲ 0.50% · 4.625%
HK$32,979
+HK$1,891/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,176/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,544
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,417
−HK$885/mo
Today · 4.125%
HK$34,302
baseline
▲ 0.50% · 4.625%
HK$36,110
+HK$1,808/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,604/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,611
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,781
−HK$1,189/mo
Today · 4.125%
HK$39,970
baseline
▲ 0.50% · 4.625%
HK$42,402
+HK$2,432/mo
Deposit HK$916K · loan HK$8.25M · min. income ≈ HK$79,940/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,842
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,964
−HK$1,139/mo
Today · 4.125%
HK$44,103
baseline
▲ 0.50% · 4.625%
HK$46,427
+HK$2,324/mo
Deposit HK$916K · loan HK$8.25M · min. income ≈ HK$88,206/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,350 · 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).