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$13,760
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,188
−HK$435/mo
Today · 4.125%
HK$14,623
baseline
▲ 0.50% · 4.625%
HK$15,513
+HK$890/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,246/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,308
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,719
−HK$416/mo
Today · 4.125%
HK$16,135
baseline
▲ 0.50% · 4.625%
HK$16,986
+HK$851/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,270/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$138,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,512
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,026
−HK$522/mo
Today · 4.125%
HK$17,548
baseline
▲ 0.50% · 4.625%
HK$18,616
+HK$1,068/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,096/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,370
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,863
−HK$499/mo
Today · 4.125%
HK$19,362
baseline
▲ 0.50% · 4.625%
HK$20,383
+HK$1,021/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,724/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,264
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,864
−HK$608/mo
Today · 4.125%
HK$20,472
baseline
▲ 0.50% · 4.625%
HK$21,718
+HK$1,246/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,944/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,432
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$22,006
−HK$583/mo
Today · 4.125%
HK$22,589
baseline
▲ 0.50% · 4.625%
HK$23,780
+HK$1,191/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,178/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,769
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,539
−HK$783/mo
Today · 4.125%
HK$26,322
baseline
▲ 0.50% · 4.625%
HK$27,923
+HK$1,601/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$52,644/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$138,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,555
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,294
−HK$749/mo
Today · 4.125%
HK$29,043
baseline
▲ 0.50% · 4.625%
HK$30,574
+HK$1,531/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$58,086/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$138,455 · 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).