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$14,028
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,465
−HK$443/mo
Today · 4.125%
HK$14,908
baseline
▲ 0.50% · 4.625%
HK$15,815
+HK$907/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,816/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,606
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,025
−HK$425/mo
Today · 4.125%
HK$16,450
baseline
▲ 0.50% · 4.625%
HK$17,317
+HK$867/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,900/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,834
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,358
−HK$532/mo
Today · 4.125%
HK$17,890
baseline
▲ 0.50% · 4.625%
HK$18,978
+HK$1,088/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,780/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,728
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,230
−HK$509/mo
Today · 4.125%
HK$19,739
baseline
▲ 0.50% · 4.625%
HK$20,780
+HK$1,041/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,478/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,640
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,251
−HK$620/mo
Today · 4.125%
HK$20,871
baseline
▲ 0.50% · 4.625%
HK$22,141
+HK$1,270/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,742/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,849
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,435
−HK$594/mo
Today · 4.125%
HK$23,029
baseline
▲ 0.50% · 4.625%
HK$24,243
+HK$1,214/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,058/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,251
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,037
−HK$798/mo
Today · 4.125%
HK$26,835
baseline
▲ 0.50% · 4.625%
HK$28,467
+HK$1,632/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$53,670/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$150,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,092
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,845
−HK$764/mo
Today · 4.125%
HK$29,609
baseline
▲ 0.50% · 4.625%
HK$31,170
+HK$1,561/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$59,218/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$150,210 · 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).