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$15,049
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,518
−HK$475/mo
Today · 4.125%
HK$15,993
baseline
▲ 0.50% · 4.625%
HK$16,966
+HK$973/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,986/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,742
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,191
−HK$456/mo
Today · 4.125%
HK$17,647
baseline
▲ 0.50% · 4.625%
HK$18,577
+HK$930/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,294/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,059
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,621
−HK$571/mo
Today · 4.125%
HK$19,192
baseline
▲ 0.50% · 4.625%
HK$20,360
+HK$1,168/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,384/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,091
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,630
−HK$546/mo
Today · 4.125%
HK$21,176
baseline
▲ 0.50% · 4.625%
HK$22,293
+HK$1,117/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,352/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,069
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,725
−HK$665/mo
Today · 4.125%
HK$22,390
baseline
▲ 0.50% · 4.625%
HK$23,753
+HK$1,363/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,780/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,439
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,068
−HK$638/mo
Today · 4.125%
HK$24,706
baseline
▲ 0.50% · 4.625%
HK$26,008
+HK$1,302/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,412/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,089
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$27,932
−HK$856/mo
Today · 4.125%
HK$28,788
baseline
▲ 0.50% · 4.625%
HK$30,539
+HK$1,751/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,576/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$194,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,136
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,945
−HK$819/mo
Today · 4.125%
HK$31,764
baseline
▲ 0.50% · 4.625%
HK$33,439
+HK$1,675/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,528/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$194,991 · 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).