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$15,620
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,106
−HK$494/mo
Today · 4.125%
HK$16,600
baseline
▲ 0.50% · 4.625%
HK$17,610
+HK$1,010/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,200/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,378
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,844
−HK$472/mo
Today · 4.125%
HK$18,316
baseline
▲ 0.50% · 4.625%
HK$19,282
+HK$966/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,632/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,745
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,328
−HK$592/mo
Today · 4.125%
HK$19,920
baseline
▲ 0.50% · 4.625%
HK$21,132
+HK$1,212/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,840/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,853
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,412
−HK$568/mo
Today · 4.125%
HK$21,980
baseline
▲ 0.50% · 4.625%
HK$23,138
+HK$1,158/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,960/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,869
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$22,549
−HK$691/mo
Today · 4.125%
HK$23,240
baseline
▲ 0.50% · 4.625%
HK$24,654
+HK$1,414/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,480/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,329
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,981
−HK$662/mo
Today · 4.125%
HK$25,643
baseline
▲ 0.50% · 4.625%
HK$26,995
+HK$1,352/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,286/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,117
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,991
−HK$889/mo
Today · 4.125%
HK$29,880
baseline
▲ 0.50% · 4.625%
HK$31,698
+HK$1,818/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$59,760/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,280
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,119
−HK$851/mo
Today · 4.125%
HK$32,970
baseline
▲ 0.50% · 4.625%
HK$34,707
+HK$1,737/mo
Deposit HK$685K · loan HK$6.17M · min. income ≈ HK$65,940/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,510 · 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).