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$14,189
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,630
−HK$448/mo
Today · 4.125%
HK$15,078
baseline
▲ 0.50% · 4.625%
HK$15,996
+HK$918/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,156/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,785
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,208
−HK$429/mo
Today · 4.125%
HK$16,637
baseline
▲ 0.50% · 4.625%
HK$17,514
+HK$877/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,274/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,026
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,556
−HK$538/mo
Today · 4.125%
HK$18,094
baseline
▲ 0.50% · 4.625%
HK$19,195
+HK$1,101/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,188/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,941
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,449
−HK$516/mo
Today · 4.125%
HK$19,965
baseline
▲ 0.50% · 4.625%
HK$21,017
+HK$1,052/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,930/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,864
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,482
−HK$628/mo
Today · 4.125%
HK$21,110
baseline
▲ 0.50% · 4.625%
HK$22,394
+HK$1,284/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,220/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,098
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,691
−HK$601/mo
Today · 4.125%
HK$23,292
baseline
▲ 0.50% · 4.625%
HK$24,520
+HK$1,228/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,584/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,539
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,334
−HK$807/mo
Today · 4.125%
HK$27,141
baseline
▲ 0.50% · 4.625%
HK$28,792
+HK$1,651/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$54,282/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$157,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,412
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,174
−HK$773/mo
Today · 4.125%
HK$29,947
baseline
▲ 0.50% · 4.625%
HK$31,526
+HK$1,579/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$59,894/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$157,233 · 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).