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$15,780
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,271
−HK$499/mo
Today · 4.125%
HK$16,770
baseline
▲ 0.50% · 4.625%
HK$17,790
+HK$1,020/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,540/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,555
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,026
−HK$478/mo
Today · 4.125%
HK$18,504
baseline
▲ 0.50% · 4.625%
HK$19,479
+HK$975/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,008/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,936
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,525
−HK$599/mo
Today · 4.125%
HK$20,124
baseline
▲ 0.50% · 4.625%
HK$21,348
+HK$1,224/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$40,248/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,066
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,631
−HK$573/mo
Today · 4.125%
HK$22,204
baseline
▲ 0.50% · 4.625%
HK$23,375
+HK$1,171/mo
Deposit HK$2.77M · loan HK$4.15M · min. income ≈ HK$44,408/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,092
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,779
−HK$699/mo
Today · 4.125%
HK$23,478
baseline
▲ 0.50% · 4.625%
HK$24,906
+HK$1,428/mo
Deposit HK$2.08M · loan HK$4.84M · min. income ≈ HK$46,956/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,577
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,236
−HK$669/mo
Today · 4.125%
HK$25,905
baseline
▲ 0.50% · 4.625%
HK$27,271
+HK$1,366/mo
Deposit HK$2.08M · loan HK$4.84M · min. income ≈ HK$51,810/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,404
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,288
−HK$897/mo
Today · 4.125%
HK$30,185
baseline
▲ 0.50% · 4.625%
HK$32,022
+HK$1,837/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$60,370/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,599
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,447
−HK$860/mo
Today · 4.125%
HK$33,307
baseline
▲ 0.50% · 4.625%
HK$35,062
+HK$1,755/mo
Deposit HK$692K · loan HK$6.23M · min. income ≈ HK$66,614/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,610 · 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).