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$20,917
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,568
−HK$661/mo
Today · 4.125%
HK$22,229
baseline
▲ 0.50% · 4.625%
HK$23,581
+HK$1,352/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,458/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$287,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,270
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,894
−HK$633/mo
Today · 4.125%
HK$24,527
baseline
▲ 0.50% · 4.625%
HK$25,820
+HK$1,293/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,054/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$287,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,101
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,881
−HK$794/mo
Today · 4.125%
HK$26,675
baseline
▲ 0.50% · 4.625%
HK$28,298
+HK$1,623/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,350/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,924
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,673
−HK$760/mo
Today · 4.125%
HK$29,433
baseline
▲ 0.50% · 4.625%
HK$30,984
+HK$1,551/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,866/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$287,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,284
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,195
−HK$925/mo
Today · 4.125%
HK$31,120
baseline
▲ 0.50% · 4.625%
HK$33,014
+HK$1,894/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,240/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,578
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,452
−HK$886/mo
Today · 4.125%
HK$34,338
baseline
▲ 0.50% · 4.625%
HK$36,148
+HK$1,810/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,676/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$287,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,651
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,822
−HK$1,190/mo
Today · 4.125%
HK$40,012
baseline
▲ 0.50% · 4.625%
HK$42,447
+HK$2,435/mo
Deposit HK$917K · loan HK$8.26M · min. income ≈ HK$80,024/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$287,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,886
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,010
−HK$1,139/mo
Today · 4.125%
HK$44,149
baseline
▲ 0.50% · 4.625%
HK$46,477
+HK$2,328/mo
Deposit HK$917K · loan HK$8.26M · min. income ≈ HK$88,298/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$287,319 · 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).