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$14,807
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,267
−HK$468/mo
Today · 4.125%
HK$15,735
baseline
▲ 0.50% · 4.625%
HK$16,693
+HK$958/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,470/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,472
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,914
−HK$448/mo
Today · 4.125%
HK$17,362
baseline
▲ 0.50% · 4.625%
HK$18,278
+HK$916/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,724/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$184,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,768
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,321
−HK$561/mo
Today · 4.125%
HK$18,882
baseline
▲ 0.50% · 4.625%
HK$20,031
+HK$1,149/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,764/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,767
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,297
−HK$538/mo
Today · 4.125%
HK$20,835
baseline
▲ 0.50% · 4.625%
HK$21,933
+HK$1,098/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,670/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$184,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,730
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,374
−HK$655/mo
Today · 4.125%
HK$22,029
baseline
▲ 0.50% · 4.625%
HK$23,370
+HK$1,341/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$44,058/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,061
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,680
−HK$627/mo
Today · 4.125%
HK$24,307
baseline
▲ 0.50% · 4.625%
HK$25,589
+HK$1,282/mo
Deposit HK$1.95M · loan HK$4.55M · min. income ≈ HK$48,614/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$184,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,652
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,481
−HK$843/mo
Today · 4.125%
HK$28,324
baseline
▲ 0.50% · 4.625%
HK$30,047
+HK$1,723/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$56,648/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$184,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,650
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,446
−HK$806/mo
Today · 4.125%
HK$31,252
baseline
▲ 0.50% · 4.625%
HK$32,900
+HK$1,648/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$62,504/mo (50% DSR)
Upfront cash ≈ HK$834K (deposit + AVD stamp duty HK$184,348 · 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).