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$14,905
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,368
−HK$471/mo
Today · 4.125%
HK$15,839
baseline
▲ 0.50% · 4.625%
HK$16,803
+HK$964/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,678/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,581
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,026
−HK$451/mo
Today · 4.125%
HK$17,477
baseline
▲ 0.50% · 4.625%
HK$18,398
+HK$921/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,954/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,886
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,442
−HK$565/mo
Today · 4.125%
HK$19,007
baseline
▲ 0.50% · 4.625%
HK$20,164
+HK$1,157/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$38,014/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,897
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,431
−HK$541/mo
Today · 4.125%
HK$20,972
baseline
▲ 0.50% · 4.625%
HK$22,078
+HK$1,106/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,944/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,866
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,516
−HK$659/mo
Today · 4.125%
HK$22,175
baseline
▲ 0.50% · 4.625%
HK$23,524
+HK$1,349/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,350/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,214
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,836
−HK$632/mo
Today · 4.125%
HK$24,468
baseline
▲ 0.50% · 4.625%
HK$25,758
+HK$1,290/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,936/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,828
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,663
−HK$848/mo
Today · 4.125%
HK$28,511
baseline
▲ 0.50% · 4.625%
HK$30,246
+HK$1,735/mo
Deposit HK$654K · loan HK$5.88M · min. income ≈ HK$57,022/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,846
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,647
−HK$812/mo
Today · 4.125%
HK$31,459
baseline
▲ 0.50% · 4.625%
HK$33,117
+HK$1,658/mo
Deposit HK$654K · loan HK$5.88M · min. income ≈ HK$62,918/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$188,639 · 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).