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$15,374
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,853
−HK$486/mo
Today · 4.125%
HK$16,339
baseline
▲ 0.50% · 4.625%
HK$17,333
+HK$994/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,678/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,104
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,563
−HK$465/mo
Today · 4.125%
HK$18,028
baseline
▲ 0.50% · 4.625%
HK$18,978
+HK$950/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,056/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,449
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,023
−HK$583/mo
Today · 4.125%
HK$19,606
baseline
▲ 0.50% · 4.625%
HK$20,799
+HK$1,193/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,212/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,525
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,075
−HK$559/mo
Today · 4.125%
HK$21,634
baseline
▲ 0.50% · 4.625%
HK$22,774
+HK$1,140/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,268/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,524
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,194
−HK$680/mo
Today · 4.125%
HK$22,874
baseline
▲ 0.50% · 4.625%
HK$24,266
+HK$1,392/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,748/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,945
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,588
−HK$651/mo
Today · 4.125%
HK$25,239
baseline
▲ 0.50% · 4.625%
HK$26,570
+HK$1,331/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,478/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,674
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,535
−HK$874/mo
Today · 4.125%
HK$29,409
baseline
▲ 0.50% · 4.625%
HK$31,199
+HK$1,790/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$58,818/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,787
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,613
−HK$837/mo
Today · 4.125%
HK$32,450
baseline
▲ 0.50% · 4.625%
HK$34,161
+HK$1,711/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$64,900/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,273 · 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).