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$15,172
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,644
−HK$480/mo
Today · 4.125%
HK$16,124
baseline
▲ 0.50% · 4.625%
HK$17,105
+HK$981/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,248/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,879
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,332
−HK$459/mo
Today · 4.125%
HK$17,791
baseline
▲ 0.50% · 4.625%
HK$18,729
+HK$938/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,582/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,207
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,773
−HK$575/mo
Today · 4.125%
HK$19,348
baseline
▲ 0.50% · 4.625%
HK$20,526
+HK$1,178/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,696/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,255
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,798
−HK$551/mo
Today · 4.125%
HK$21,349
baseline
▲ 0.50% · 4.625%
HK$22,474
+HK$1,125/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,698/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,241
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,902
−HK$671/mo
Today · 4.125%
HK$22,573
baseline
▲ 0.50% · 4.625%
HK$23,947
+HK$1,374/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,146/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,631
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,264
−HK$643/mo
Today · 4.125%
HK$24,907
baseline
▲ 0.50% · 4.625%
HK$26,220
+HK$1,313/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,814/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,310
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,160
−HK$863/mo
Today · 4.125%
HK$29,023
baseline
▲ 0.50% · 4.625%
HK$30,789
+HK$1,766/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$58,046/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,382
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,197
−HK$827/mo
Today · 4.125%
HK$32,024
baseline
▲ 0.50% · 4.625%
HK$33,712
+HK$1,688/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$64,048/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,613 · 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).