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$14,058
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,495
−HK$444/mo
Today · 4.125%
HK$14,939
baseline
▲ 0.50% · 4.625%
HK$15,848
+HK$909/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,878/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,639
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,058
−HK$426/mo
Today · 4.125%
HK$16,484
baseline
▲ 0.50% · 4.625%
HK$17,353
+HK$869/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,968/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,869
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,394
−HK$533/mo
Today · 4.125%
HK$17,927
baseline
▲ 0.50% · 4.625%
HK$19,018
+HK$1,091/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$35,854/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,767
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,270
−HK$511/mo
Today · 4.125%
HK$19,781
baseline
▲ 0.50% · 4.625%
HK$20,823
+HK$1,042/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$39,562/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,681
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,293
−HK$622/mo
Today · 4.125%
HK$20,915
baseline
▲ 0.50% · 4.625%
HK$22,188
+HK$1,273/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,830/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,895
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,482
−HK$596/mo
Today · 4.125%
HK$23,078
baseline
▲ 0.50% · 4.625%
HK$24,294
+HK$1,216/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,156/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,304
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,091
−HK$800/mo
Today · 4.125%
HK$26,891
baseline
▲ 0.50% · 4.625%
HK$28,527
+HK$1,636/mo
Deposit HK$616K · loan HK$5.55M · min. income ≈ HK$53,782/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$151,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,150
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,905
−HK$766/mo
Today · 4.125%
HK$29,671
baseline
▲ 0.50% · 4.625%
HK$31,235
+HK$1,564/mo
Deposit HK$616K · loan HK$5.55M · min. income ≈ HK$59,342/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$151,497 · 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).