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$14,663
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,119
−HK$463/mo
Today · 4.125%
HK$15,582
baseline
▲ 0.50% · 4.625%
HK$16,531
+HK$949/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,164/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$178,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,312
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,750
−HK$444/mo
Today · 4.125%
HK$17,194
baseline
▲ 0.50% · 4.625%
HK$18,100
+HK$906/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,388/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$178,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,596
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,143
−HK$556/mo
Today · 4.125%
HK$18,699
baseline
▲ 0.50% · 4.625%
HK$19,837
+HK$1,138/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,398/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,575
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,100
−HK$532/mo
Today · 4.125%
HK$20,632
baseline
▲ 0.50% · 4.625%
HK$21,720
+HK$1,088/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,264/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,528
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,167
−HK$648/mo
Today · 4.125%
HK$21,815
baseline
▲ 0.50% · 4.625%
HK$23,143
+HK$1,328/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,630/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,837
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,450
−HK$621/mo
Today · 4.125%
HK$24,071
baseline
▲ 0.50% · 4.625%
HK$25,340
+HK$1,269/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,142/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,393
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,214
−HK$834/mo
Today · 4.125%
HK$28,048
baseline
▲ 0.50% · 4.625%
HK$29,755
+HK$1,707/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$56,096/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$178,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,362
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,150
−HK$799/mo
Today · 4.125%
HK$30,949
baseline
▲ 0.50% · 4.625%
HK$32,580
+HK$1,631/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$61,898/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$178,040 · 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).