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$14,597
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,051
−HK$461/mo
Today · 4.125%
HK$15,512
baseline
▲ 0.50% · 4.625%
HK$16,456
+HK$944/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,024/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,239
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,674
−HK$442/mo
Today · 4.125%
HK$17,116
baseline
▲ 0.50% · 4.625%
HK$18,018
+HK$902/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,232/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,516
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,061
−HK$554/mo
Today · 4.125%
HK$18,615
baseline
▲ 0.50% · 4.625%
HK$19,747
+HK$1,132/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,230/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,487
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$20,009
−HK$530/mo
Today · 4.125%
HK$20,539
baseline
▲ 0.50% · 4.625%
HK$21,622
+HK$1,083/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,078/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,436
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,071
−HK$646/mo
Today · 4.125%
HK$21,717
baseline
▲ 0.50% · 4.625%
HK$23,038
+HK$1,321/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,434/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,734
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,344
−HK$619/mo
Today · 4.125%
HK$23,963
baseline
▲ 0.50% · 4.625%
HK$25,226
+HK$1,263/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,926/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,274
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,091
−HK$831/mo
Today · 4.125%
HK$27,922
baseline
▲ 0.50% · 4.625%
HK$29,621
+HK$1,699/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$55,844/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$175,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,230
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,014
−HK$795/mo
Today · 4.125%
HK$30,809
baseline
▲ 0.50% · 4.625%
HK$32,433
+HK$1,624/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$61,618/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$175,138 · 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).