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$14,772
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,231
−HK$467/mo
Today · 4.125%
HK$15,698
baseline
▲ 0.50% · 4.625%
HK$16,653
+HK$955/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,396/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,433
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,874
−HK$447/mo
Today · 4.125%
HK$17,321
baseline
▲ 0.50% · 4.625%
HK$18,234
+HK$913/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,642/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,726
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,277
−HK$561/mo
Today · 4.125%
HK$18,838
baseline
▲ 0.50% · 4.625%
HK$19,984
+HK$1,146/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,676/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,720
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,249
−HK$536/mo
Today · 4.125%
HK$20,785
baseline
▲ 0.50% · 4.625%
HK$21,881
+HK$1,096/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,570/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,680
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,324
−HK$653/mo
Today · 4.125%
HK$21,977
baseline
▲ 0.50% · 4.625%
HK$23,314
+HK$1,337/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,954/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$182,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,007
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,624
−HK$626/mo
Today · 4.125%
HK$24,250
baseline
▲ 0.50% · 4.625%
HK$25,528
+HK$1,278/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,500/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$182,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,589
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,416
−HK$840/mo
Today · 4.125%
HK$28,256
baseline
▲ 0.50% · 4.625%
HK$29,976
+HK$1,720/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,512/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$182,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,580
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,373
−HK$805/mo
Today · 4.125%
HK$31,178
baseline
▲ 0.50% · 4.625%
HK$32,822
+HK$1,644/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,356/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$182,808 · 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).