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$15,687
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,175
−HK$496/mo
Today · 4.125%
HK$16,671
baseline
▲ 0.50% · 4.625%
HK$17,686
+HK$1,015/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,342/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,452
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,920
−HK$475/mo
Today · 4.125%
HK$18,395
baseline
▲ 0.50% · 4.625%
HK$19,365
+HK$970/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,790/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,825
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,411
−HK$594/mo
Today · 4.125%
HK$20,005
baseline
▲ 0.50% · 4.625%
HK$21,223
+HK$1,218/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,010/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,943
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,504
−HK$570/mo
Today · 4.125%
HK$22,074
baseline
▲ 0.50% · 4.625%
HK$23,238
+HK$1,164/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,148/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,962
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,646
−HK$694/mo
Today · 4.125%
HK$23,340
baseline
▲ 0.50% · 4.625%
HK$24,760
+HK$1,420/mo
Deposit HK$2.06M · loan HK$4.82M · min. income ≈ HK$46,680/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,433
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,088
−HK$665/mo
Today · 4.125%
HK$25,753
baseline
▲ 0.50% · 4.625%
HK$27,111
+HK$1,358/mo
Deposit HK$2.06M · loan HK$4.82M · min. income ≈ HK$51,506/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,237
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,116
−HK$892/mo
Today · 4.125%
HK$30,008
baseline
▲ 0.50% · 4.625%
HK$31,834
+HK$1,826/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$60,016/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,414
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,256
−HK$855/mo
Today · 4.125%
HK$33,111
baseline
▲ 0.50% · 4.625%
HK$34,856
+HK$1,745/mo
Deposit HK$688K · loan HK$6.19M · min. income ≈ HK$66,222/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,391 · 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).