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$14,848
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,310
−HK$469/mo
Today · 4.125%
HK$15,779
baseline
▲ 0.50% · 4.625%
HK$16,739
+HK$960/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,558/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,518
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,961
−HK$449/mo
Today · 4.125%
HK$17,410
baseline
▲ 0.50% · 4.625%
HK$18,328
+HK$918/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,820/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$186,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,817
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,371
−HK$564/mo
Today · 4.125%
HK$18,935
baseline
▲ 0.50% · 4.625%
HK$20,087
+HK$1,152/mo
Deposit HK$2.60M · loan HK$3.91M · min. income ≈ HK$37,870/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,821
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,353
−HK$539/mo
Today · 4.125%
HK$20,892
baseline
▲ 0.50% · 4.625%
HK$21,994
+HK$1,102/mo
Deposit HK$2.60M · loan HK$3.91M · min. income ≈ HK$41,784/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,787
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,433
−HK$657/mo
Today · 4.125%
HK$22,090
baseline
▲ 0.50% · 4.625%
HK$23,434
+HK$1,344/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$44,180/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,125
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,745
−HK$629/mo
Today · 4.125%
HK$24,374
baseline
▲ 0.50% · 4.625%
HK$25,659
+HK$1,285/mo
Deposit HK$1.95M · loan HK$4.56M · min. income ≈ HK$48,748/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,726
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,557
−HK$845/mo
Today · 4.125%
HK$28,402
baseline
▲ 0.50% · 4.625%
HK$30,130
+HK$1,728/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$56,804/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$186,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,732
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,530
−HK$809/mo
Today · 4.125%
HK$31,339
baseline
▲ 0.50% · 4.625%
HK$32,990
+HK$1,651/mo
Deposit HK$651K · loan HK$5.86M · min. income ≈ HK$62,678/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$186,142 · 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).