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$15,087
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,556
−HK$477/mo
Today · 4.125%
HK$16,033
baseline
▲ 0.50% · 4.625%
HK$17,009
+HK$976/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,066/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,784
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,234
−HK$457/mo
Today · 4.125%
HK$17,691
baseline
▲ 0.50% · 4.625%
HK$18,623
+HK$932/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,382/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$196,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,104
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,668
−HK$572/mo
Today · 4.125%
HK$19,240
baseline
▲ 0.50% · 4.625%
HK$20,410
+HK$1,170/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,480/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,141
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,681
−HK$548/mo
Today · 4.125%
HK$21,229
baseline
▲ 0.50% · 4.625%
HK$22,348
+HK$1,119/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,458/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,122
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,779
−HK$667/mo
Today · 4.125%
HK$22,446
baseline
▲ 0.50% · 4.625%
HK$23,812
+HK$1,366/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$44,892/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,498
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,128
−HK$639/mo
Today · 4.125%
HK$24,767
baseline
▲ 0.50% · 4.625%
HK$26,073
+HK$1,306/mo
Deposit HK$1.98M · loan HK$4.63M · min. income ≈ HK$49,534/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,157
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,001
−HK$859/mo
Today · 4.125%
HK$28,860
baseline
▲ 0.50% · 4.625%
HK$30,616
+HK$1,756/mo
Deposit HK$662K · loan HK$5.95M · min. income ≈ HK$57,720/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,212
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,022
−HK$822/mo
Today · 4.125%
HK$31,844
baseline
▲ 0.50% · 4.625%
HK$33,522
+HK$1,678/mo
Deposit HK$662K · loan HK$5.95M · min. income ≈ HK$63,688/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$196,638 · 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).