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$13,961
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,395
−HK$442/mo
Today · 4.125%
HK$14,837
baseline
▲ 0.50% · 4.625%
HK$15,739
+HK$902/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,674/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,532
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,948
−HK$423/mo
Today · 4.125%
HK$16,371
baseline
▲ 0.50% · 4.625%
HK$17,234
+HK$863/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,742/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,753
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,274
−HK$530/mo
Today · 4.125%
HK$17,804
baseline
▲ 0.50% · 4.625%
HK$18,887
+HK$1,083/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,608/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,638
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,138
−HK$507/mo
Today · 4.125%
HK$19,645
baseline
▲ 0.50% · 4.625%
HK$20,680
+HK$1,035/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,290/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,546
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,154
−HK$617/mo
Today · 4.125%
HK$20,771
baseline
▲ 0.50% · 4.625%
HK$22,035
+HK$1,264/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,542/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,744
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,327
−HK$592/mo
Today · 4.125%
HK$22,919
baseline
▲ 0.50% · 4.625%
HK$24,127
+HK$1,208/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,838/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,130
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,912
−HK$794/mo
Today · 4.125%
HK$26,706
baseline
▲ 0.50% · 4.625%
HK$28,331
+HK$1,625/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$53,412/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,957
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,707
−HK$760/mo
Today · 4.125%
HK$29,467
baseline
▲ 0.50% · 4.625%
HK$31,021
+HK$1,554/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$58,934/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,261 · 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).