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$15,429
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,909
−HK$487/mo
Today · 4.125%
HK$16,396
baseline
▲ 0.50% · 4.625%
HK$17,394
+HK$998/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,792/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$202,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,164
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,625
−HK$467/mo
Today · 4.125%
HK$18,092
baseline
▲ 0.50% · 4.625%
HK$19,045
+HK$953/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,184/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$202,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,515
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,090
−HK$586/mo
Today · 4.125%
HK$19,676
baseline
▲ 0.50% · 4.625%
HK$20,873
+HK$1,197/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,352/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,597
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,150
−HK$560/mo
Today · 4.125%
HK$21,710
baseline
▲ 0.50% · 4.625%
HK$22,854
+HK$1,144/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,420/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,600
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,272
−HK$683/mo
Today · 4.125%
HK$22,955
baseline
▲ 0.50% · 4.625%
HK$24,352
+HK$1,397/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,910/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,030
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,675
−HK$653/mo
Today · 4.125%
HK$25,328
baseline
▲ 0.50% · 4.625%
HK$26,663
+HK$1,335/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,656/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,772
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,636
−HK$877/mo
Today · 4.125%
HK$29,513
baseline
▲ 0.50% · 4.625%
HK$31,309
+HK$1,796/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$59,026/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$202,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,896
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,724
−HK$841/mo
Today · 4.125%
HK$32,565
baseline
▲ 0.50% · 4.625%
HK$34,282
+HK$1,717/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$65,130/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$202,988 · 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).