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$14,681
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,137
−HK$464/mo
Today · 4.125%
HK$15,601
baseline
▲ 0.50% · 4.625%
HK$16,551
+HK$950/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,202/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,332
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,770
−HK$445/mo
Today · 4.125%
HK$17,215
baseline
▲ 0.50% · 4.625%
HK$18,122
+HK$907/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,430/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,617
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,165
−HK$557/mo
Today · 4.125%
HK$18,722
baseline
▲ 0.50% · 4.625%
HK$19,861
+HK$1,139/mo
Deposit HK$2.58M · loan HK$3.86M · min. income ≈ HK$37,444/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,599
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,124
−HK$533/mo
Today · 4.125%
HK$20,657
baseline
▲ 0.50% · 4.625%
HK$21,746
+HK$1,089/mo
Deposit HK$2.58M · loan HK$3.86M · min. income ≈ HK$41,314/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,553
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,192
−HK$650/mo
Today · 4.125%
HK$21,842
baseline
▲ 0.50% · 4.625%
HK$23,171
+HK$1,329/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,684/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,865
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,478
−HK$622/mo
Today · 4.125%
HK$24,100
baseline
▲ 0.50% · 4.625%
HK$25,371
+HK$1,271/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,200/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,425
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,247
−HK$835/mo
Today · 4.125%
HK$28,082
baseline
▲ 0.50% · 4.625%
HK$29,791
+HK$1,709/mo
Deposit HK$644K · loan HK$5.79M · min. income ≈ HK$56,164/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$178,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,398
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,186
−HK$800/mo
Today · 4.125%
HK$30,986
baseline
▲ 0.50% · 4.625%
HK$32,619
+HK$1,633/mo
Deposit HK$644K · loan HK$5.79M · min. income ≈ HK$61,972/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$178,819 · 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).