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$14,478
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,929
−HK$457/mo
Today · 4.125%
HK$15,386
baseline
▲ 0.50% · 4.625%
HK$16,323
+HK$937/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,772/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,107
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,539
−HK$438/mo
Today · 4.125%
HK$16,977
baseline
▲ 0.50% · 4.625%
HK$17,872
+HK$895/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,954/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,374
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,915
−HK$549/mo
Today · 4.125%
HK$18,464
baseline
▲ 0.50% · 4.625%
HK$19,587
+HK$1,123/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,928/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,329
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,847
−HK$526/mo
Today · 4.125%
HK$20,373
baseline
▲ 0.50% · 4.625%
HK$21,447
+HK$1,074/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,746/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,270
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,900
−HK$641/mo
Today · 4.125%
HK$21,541
baseline
▲ 0.50% · 4.625%
HK$22,852
+HK$1,311/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,082/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,550
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,155
−HK$613/mo
Today · 4.125%
HK$23,768
baseline
▲ 0.50% · 4.625%
HK$25,021
+HK$1,253/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,536/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,061
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,872
−HK$823/mo
Today · 4.125%
HK$27,695
baseline
▲ 0.50% · 4.625%
HK$29,381
+HK$1,686/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$55,390/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$169,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,993
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,770
−HK$789/mo
Today · 4.125%
HK$30,559
baseline
▲ 0.50% · 4.625%
HK$32,170
+HK$1,611/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$61,118/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$169,949 · 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).