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$14,349
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,795
−HK$453/mo
Today · 4.125%
HK$15,248
baseline
▲ 0.50% · 4.625%
HK$16,176
+HK$928/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,496/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,963
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,391
−HK$434/mo
Today · 4.125%
HK$16,825
baseline
▲ 0.50% · 4.625%
HK$17,712
+HK$887/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,650/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,218
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,754
−HK$544/mo
Today · 4.125%
HK$18,298
baseline
▲ 0.50% · 4.625%
HK$19,412
+HK$1,114/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,596/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,155
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,669
−HK$521/mo
Today · 4.125%
HK$20,190
baseline
▲ 0.50% · 4.625%
HK$21,254
+HK$1,064/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,380/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,088
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,713
−HK$635/mo
Today · 4.125%
HK$21,348
baseline
▲ 0.50% · 4.625%
HK$22,647
+HK$1,299/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$42,696/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,348
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,947
−HK$608/mo
Today · 4.125%
HK$23,555
baseline
▲ 0.50% · 4.625%
HK$24,797
+HK$1,242/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$47,110/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,828
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,631
−HK$816/mo
Today · 4.125%
HK$27,447
baseline
▲ 0.50% · 4.625%
HK$29,117
+HK$1,670/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$54,894/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,733
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,504
−HK$781/mo
Today · 4.125%
HK$30,285
baseline
▲ 0.50% · 4.625%
HK$31,882
+HK$1,597/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$60,570/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,257 · 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).