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$14,317
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,762
−HK$452/mo
Today · 4.125%
HK$15,214
baseline
▲ 0.50% · 4.625%
HK$16,140
+HK$926/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,428/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,927
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,354
−HK$434/mo
Today · 4.125%
HK$16,788
baseline
▲ 0.50% · 4.625%
HK$17,672
+HK$884/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,576/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$162,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,180
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,714
−HK$543/mo
Today · 4.125%
HK$18,257
baseline
▲ 0.50% · 4.625%
HK$19,368
+HK$1,111/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,514/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,112
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,625
−HK$520/mo
Today · 4.125%
HK$20,145
baseline
▲ 0.50% · 4.625%
HK$21,207
+HK$1,062/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,290/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$162,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,043
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,667
−HK$633/mo
Today · 4.125%
HK$21,300
baseline
▲ 0.50% · 4.625%
HK$22,596
+HK$1,296/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,600/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$162,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,298
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,896
−HK$607/mo
Today · 4.125%
HK$23,503
baseline
▲ 0.50% · 4.625%
HK$24,741
+HK$1,238/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$47,006/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$162,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,770
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,571
−HK$815/mo
Today · 4.125%
HK$27,386
baseline
▲ 0.50% · 4.625%
HK$29,052
+HK$1,666/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$54,772/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$162,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,669
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,438
−HK$780/mo
Today · 4.125%
HK$30,218
baseline
▲ 0.50% · 4.625%
HK$31,810
+HK$1,592/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$60,436/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$162,849 · 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).