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$14,233
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,675
−HK$450/mo
Today · 4.125%
HK$15,125
baseline
▲ 0.50% · 4.625%
HK$16,046
+HK$921/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$159,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,834
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,258
−HK$431/mo
Today · 4.125%
HK$16,689
baseline
▲ 0.50% · 4.625%
HK$17,569
+HK$880/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$159,170 · 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$19,255
+HK$1,105/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,300/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,000
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,510
−HK$517/mo
Today · 4.125%
HK$20,027
baseline
▲ 0.50% · 4.625%
HK$21,083
+HK$1,056/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,054/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,926
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,546
−HK$629/mo
Today · 4.125%
HK$21,175
baseline
▲ 0.50% · 4.625%
HK$22,464
+HK$1,289/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$159,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,167
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,762
−HK$603/mo
Today · 4.125%
HK$23,365
baseline
▲ 0.50% · 4.625%
HK$24,596
+HK$1,231/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,730/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,619
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,416
−HK$809/mo
Today · 4.125%
HK$27,225
baseline
▲ 0.50% · 4.625%
HK$28,882
+HK$1,657/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$54,450/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$159,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,501
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,265
−HK$775/mo
Today · 4.125%
HK$30,040
baseline
▲ 0.50% · 4.625%
HK$31,624
+HK$1,584/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$60,080/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$159,170 · 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).