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$15,512
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,995
−HK$490/mo
Today · 4.125%
HK$16,485
baseline
▲ 0.50% · 4.625%
HK$17,488
+HK$1,003/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,970/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,257
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,720
−HK$469/mo
Today · 4.125%
HK$18,189
baseline
▲ 0.50% · 4.625%
HK$19,148
+HK$959/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,378/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,615
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,194
−HK$588/mo
Today · 4.125%
HK$19,782
baseline
▲ 0.50% · 4.625%
HK$20,986
+HK$1,204/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,564/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,709
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,264
−HK$563/mo
Today · 4.125%
HK$21,827
baseline
▲ 0.50% · 4.625%
HK$22,978
+HK$1,151/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,654/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,717
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,393
−HK$686/mo
Today · 4.125%
HK$23,079
baseline
▲ 0.50% · 4.625%
HK$24,483
+HK$1,404/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,158/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$204,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,160
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,808
−HK$657/mo
Today · 4.125%
HK$25,465
baseline
▲ 0.50% · 4.625%
HK$26,808
+HK$1,343/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,930/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$204,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,922
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,790
−HK$883/mo
Today · 4.125%
HK$29,673
baseline
▲ 0.50% · 4.625%
HK$31,478
+HK$1,805/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$59,346/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$204,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,063
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,896
−HK$845/mo
Today · 4.125%
HK$32,741
baseline
▲ 0.50% · 4.625%
HK$34,467
+HK$1,726/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$65,482/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$204,085 · 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).