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$14,263
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,707
−HK$451/mo
Today · 4.125%
HK$15,158
baseline
▲ 0.50% · 4.625%
HK$16,080
+HK$922/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,316/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,868
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,293
−HK$432/mo
Today · 4.125%
HK$16,725
baseline
▲ 0.50% · 4.625%
HK$17,607
+HK$882/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,450/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,116
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,648
−HK$541/mo
Today · 4.125%
HK$18,189
baseline
▲ 0.50% · 4.625%
HK$19,296
+HK$1,107/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,378/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,041
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,552
−HK$518/mo
Today · 4.125%
HK$20,070
baseline
▲ 0.50% · 4.625%
HK$21,128
+HK$1,058/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,140/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,969
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,590
−HK$631/mo
Today · 4.125%
HK$21,221
baseline
▲ 0.50% · 4.625%
HK$22,512
+HK$1,291/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,442/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,215
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,811
−HK$604/mo
Today · 4.125%
HK$23,415
baseline
▲ 0.50% · 4.625%
HK$24,649
+HK$1,234/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,830/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,674
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,472
−HK$812/mo
Today · 4.125%
HK$27,284
baseline
▲ 0.50% · 4.625%
HK$28,944
+HK$1,660/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$54,568/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$160,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,562
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,328
−HK$777/mo
Today · 4.125%
HK$30,105
baseline
▲ 0.50% · 4.625%
HK$31,692
+HK$1,587/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$60,210/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$160,511 · 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).