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$15,184
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,656
−HK$480/mo
Today · 4.125%
HK$16,136
baseline
▲ 0.50% · 4.625%
HK$17,118
+HK$982/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,272/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,892
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,345
−HK$459/mo
Today · 4.125%
HK$17,804
baseline
▲ 0.50% · 4.625%
HK$18,743
+HK$939/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,608/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,221
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,787
−HK$576/mo
Today · 4.125%
HK$19,363
baseline
▲ 0.50% · 4.625%
HK$20,541
+HK$1,178/mo
Deposit HK$2.66M · loan HK$4.00M · min. income ≈ HK$38,726/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,270
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,814
−HK$551/mo
Today · 4.125%
HK$21,365
baseline
▲ 0.50% · 4.625%
HK$22,492
+HK$1,127/mo
Deposit HK$2.66M · loan HK$4.00M · min. income ≈ HK$42,730/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,257
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,919
−HK$671/mo
Today · 4.125%
HK$22,590
baseline
▲ 0.50% · 4.625%
HK$23,965
+HK$1,375/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,180/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,649
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,283
−HK$643/mo
Today · 4.125%
HK$24,926
baseline
▲ 0.50% · 4.625%
HK$26,240
+HK$1,314/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,852/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,331
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,181
−HK$864/mo
Today · 4.125%
HK$29,045
baseline
▲ 0.50% · 4.625%
HK$30,812
+HK$1,767/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$58,090/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,405
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,221
−HK$827/mo
Today · 4.125%
HK$32,048
baseline
▲ 0.50% · 4.625%
HK$33,737
+HK$1,689/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$64,096/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,765 · 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).