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$14,232
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,675
−HK$450/mo
Today · 4.125%
HK$15,125
baseline
▲ 0.50% · 4.625%
HK$16,045
+HK$920/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,250/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,833
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,258
−HK$431/mo
Today · 4.125%
HK$16,689
baseline
▲ 0.50% · 4.625%
HK$17,568
+HK$879/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,378/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,079
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,610
−HK$540/mo
Today · 4.125%
HK$18,150
baseline
▲ 0.50% · 4.625%
HK$19,254
+HK$1,104/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$36,300/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,000
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,509
−HK$517/mo
Today · 4.125%
HK$20,026
baseline
▲ 0.50% · 4.625%
HK$21,082
+HK$1,056/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$40,052/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,925
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,545
−HK$630/mo
Today · 4.125%
HK$21,175
baseline
▲ 0.50% · 4.625%
HK$22,463
+HK$1,288/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,350/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,166
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,761
−HK$603/mo
Today · 4.125%
HK$23,364
baseline
▲ 0.50% · 4.625%
HK$24,596
+HK$1,232/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,728/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,618
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,415
−HK$809/mo
Today · 4.125%
HK$27,224
baseline
▲ 0.50% · 4.625%
HK$28,881
+HK$1,657/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$54,448/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$159,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,500
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,264
−HK$775/mo
Today · 4.125%
HK$30,039
baseline
▲ 0.50% · 4.625%
HK$31,623
+HK$1,584/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$60,078/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$159,150 · 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).