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$15,735
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,224
−HK$497/mo
Today · 4.125%
HK$16,721
baseline
▲ 0.50% · 4.625%
HK$17,739
+HK$1,018/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,442/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,505
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,974
−HK$476/mo
Today · 4.125%
HK$18,450
baseline
▲ 0.50% · 4.625%
HK$19,423
+HK$973/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,900/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,881
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,469
−HK$597/mo
Today · 4.125%
HK$20,066
baseline
▲ 0.50% · 4.625%
HK$21,286
+HK$1,220/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,132/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,005
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,569
−HK$571/mo
Today · 4.125%
HK$22,140
baseline
▲ 0.50% · 4.625%
HK$23,307
+HK$1,167/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,280/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,028
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,714
−HK$696/mo
Today · 4.125%
HK$23,410
baseline
▲ 0.50% · 4.625%
HK$24,834
+HK$1,424/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,820/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,506
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,164
−HK$666/mo
Today · 4.125%
HK$25,830
baseline
▲ 0.50% · 4.625%
HK$27,192
+HK$1,362/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,660/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,322
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,203
−HK$895/mo
Today · 4.125%
HK$30,098
baseline
▲ 0.50% · 4.625%
HK$31,930
+HK$1,832/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$60,196/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$207,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,508
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,353
−HK$857/mo
Today · 4.125%
HK$33,210
baseline
▲ 0.50% · 4.625%
HK$34,961
+HK$1,751/mo
Deposit HK$690K · loan HK$6.21M · min. income ≈ HK$66,420/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$207,011 · 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).