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$14,838
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,300
−HK$468/mo
Today · 4.125%
HK$15,768
baseline
▲ 0.50% · 4.625%
HK$16,728
+HK$960/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$31,536/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,507
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,950
−HK$449/mo
Today · 4.125%
HK$17,399
baseline
▲ 0.50% · 4.625%
HK$18,316
+HK$917/mo
Deposit HK$3.25M · loan HK$3.25M · min. income ≈ HK$34,798/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$185,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,806
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,359
−HK$563/mo
Today · 4.125%
HK$18,922
baseline
▲ 0.50% · 4.625%
HK$20,073
+HK$1,151/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$37,844/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,809
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,340
−HK$539/mo
Today · 4.125%
HK$20,879
baseline
▲ 0.50% · 4.625%
HK$21,979
+HK$1,100/mo
Deposit HK$2.60M · loan HK$3.90M · min. income ≈ HK$41,758/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$185,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,773
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,419
−HK$657/mo
Today · 4.125%
HK$22,076
baseline
▲ 0.50% · 4.625%
HK$23,419
+HK$1,343/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$44,152/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,110
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,730
−HK$628/mo
Today · 4.125%
HK$24,358
baseline
▲ 0.50% · 4.625%
HK$25,642
+HK$1,284/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$48,716/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$185,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,708
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,539
−HK$844/mo
Today · 4.125%
HK$28,383
baseline
▲ 0.50% · 4.625%
HK$30,110
+HK$1,727/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$56,766/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,713
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,510
−HK$808/mo
Today · 4.125%
HK$31,318
baseline
▲ 0.50% · 4.625%
HK$32,969
+HK$1,651/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$62,636/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$185,715 · 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).