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$14,059
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,496
−HK$444/mo
Today · 4.125%
HK$14,940
baseline
▲ 0.50% · 4.625%
HK$15,850
+HK$910/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,880/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,640
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,060
−HK$425/mo
Today · 4.125%
HK$16,485
baseline
▲ 0.50% · 4.625%
HK$17,354
+HK$869/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,970/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$151,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,871
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,395
−HK$534/mo
Today · 4.125%
HK$17,929
baseline
▲ 0.50% · 4.625%
HK$19,019
+HK$1,090/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$35,858/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,768
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,272
−HK$510/mo
Today · 4.125%
HK$19,782
baseline
▲ 0.50% · 4.625%
HK$20,825
+HK$1,043/mo
Deposit HK$2.47M · loan HK$3.70M · min. income ≈ HK$39,564/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$151,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,682
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,295
−HK$622/mo
Today · 4.125%
HK$20,917
baseline
▲ 0.50% · 4.625%
HK$22,189
+HK$1,272/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$41,834/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,896
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,484
−HK$595/mo
Today · 4.125%
HK$23,079
baseline
▲ 0.50% · 4.625%
HK$24,296
+HK$1,217/mo
Deposit HK$1.85M · loan HK$4.32M · min. income ≈ HK$46,158/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$151,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,306
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,093
−HK$800/mo
Today · 4.125%
HK$26,893
baseline
▲ 0.50% · 4.625%
HK$28,529
+HK$1,636/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$53,786/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$151,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,153
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,908
−HK$766/mo
Today · 4.125%
HK$29,674
baseline
▲ 0.50% · 4.625%
HK$31,238
+HK$1,564/mo
Deposit HK$617K · loan HK$5.55M · min. income ≈ HK$59,348/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$151,548 · 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).