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$14,624
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,078
−HK$463/mo
Today · 4.125%
HK$15,541
baseline
▲ 0.50% · 4.625%
HK$16,486
+HK$945/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,082/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,269
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,705
−HK$442/mo
Today · 4.125%
HK$17,147
baseline
▲ 0.50% · 4.625%
HK$18,051
+HK$904/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,294/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,548
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,094
−HK$555/mo
Today · 4.125%
HK$18,649
baseline
▲ 0.50% · 4.625%
HK$19,783
+HK$1,134/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,298/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,522
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,046
−HK$531/mo
Today · 4.125%
HK$20,577
baseline
▲ 0.50% · 4.625%
HK$21,662
+HK$1,085/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,154/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,473
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,110
−HK$647/mo
Today · 4.125%
HK$21,757
baseline
▲ 0.50% · 4.625%
HK$23,081
+HK$1,324/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,514/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,776
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,387
−HK$619/mo
Today · 4.125%
HK$24,006
baseline
▲ 0.50% · 4.625%
HK$25,272
+HK$1,266/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$48,012/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,322
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,141
−HK$832/mo
Today · 4.125%
HK$27,973
baseline
▲ 0.50% · 4.625%
HK$29,675
+HK$1,702/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,946/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,283
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,069
−HK$796/mo
Today · 4.125%
HK$30,865
baseline
▲ 0.50% · 4.625%
HK$32,492
+HK$1,627/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,730/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,312 · 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).