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$15,702
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,191
−HK$496/mo
Today · 4.125%
HK$16,687
baseline
▲ 0.50% · 4.625%
HK$17,702
+HK$1,015/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,374/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,469
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,937
−HK$475/mo
Today · 4.125%
HK$18,412
baseline
▲ 0.50% · 4.625%
HK$19,383
+HK$971/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,824/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,843
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,429
−HK$595/mo
Today · 4.125%
HK$20,024
baseline
▲ 0.50% · 4.625%
HK$21,243
+HK$1,219/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,048/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,962
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,525
−HK$570/mo
Today · 4.125%
HK$22,095
baseline
▲ 0.50% · 4.625%
HK$23,260
+HK$1,165/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,190/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,983
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,667
−HK$695/mo
Today · 4.125%
HK$23,362
baseline
▲ 0.50% · 4.625%
HK$24,783
+HK$1,421/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$46,724/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,456
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,112
−HK$665/mo
Today · 4.125%
HK$25,777
baseline
▲ 0.50% · 4.625%
HK$27,136
+HK$1,359/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$51,554/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,264
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,143
−HK$894/mo
Today · 4.125%
HK$30,037
baseline
▲ 0.50% · 4.625%
HK$31,864
+HK$1,827/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$60,074/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,444
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,287
−HK$855/mo
Today · 4.125%
HK$33,142
baseline
▲ 0.50% · 4.625%
HK$34,889
+HK$1,747/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$66,284/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,586 · 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).