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$14,275
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,719
−HK$452/mo
Today · 4.125%
HK$15,171
baseline
▲ 0.50% · 4.625%
HK$16,094
+HK$923/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,342/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,881
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,307
−HK$432/mo
Today · 4.125%
HK$16,739
baseline
▲ 0.50% · 4.625%
HK$17,622
+HK$883/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,478/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$161,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,130
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,663
−HK$542/mo
Today · 4.125%
HK$18,205
baseline
▲ 0.50% · 4.625%
HK$19,312
+HK$1,107/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$36,410/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,057
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,569
−HK$518/mo
Today · 4.125%
HK$20,087
baseline
▲ 0.50% · 4.625%
HK$21,146
+HK$1,059/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$40,174/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,986
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,607
−HK$632/mo
Today · 4.125%
HK$21,239
baseline
▲ 0.50% · 4.625%
HK$22,531
+HK$1,292/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,478/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,234
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,830
−HK$605/mo
Today · 4.125%
HK$23,435
baseline
▲ 0.50% · 4.625%
HK$24,670
+HK$1,235/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,870/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,696
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,495
−HK$812/mo
Today · 4.125%
HK$27,307
baseline
▲ 0.50% · 4.625%
HK$28,969
+HK$1,662/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$54,614/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$161,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,586
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,353
−HK$778/mo
Today · 4.125%
HK$30,131
baseline
▲ 0.50% · 4.625%
HK$31,719
+HK$1,588/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$60,262/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$161,043 · 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).