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$15,468
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,949
−HK$489/mo
Today · 4.125%
HK$16,438
baseline
▲ 0.50% · 4.625%
HK$17,438
+HK$1,000/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,876/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,208
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,669
−HK$468/mo
Today · 4.125%
HK$18,137
baseline
▲ 0.50% · 4.625%
HK$19,093
+HK$956/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,274/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,561
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,138
−HK$587/mo
Today · 4.125%
HK$19,725
baseline
▲ 0.50% · 4.625%
HK$20,925
+HK$1,200/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,450/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,649
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,203
−HK$562/mo
Today · 4.125%
HK$21,765
baseline
▲ 0.50% · 4.625%
HK$22,912
+HK$1,147/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,530/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,655
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,328
−HK$685/mo
Today · 4.125%
HK$23,013
baseline
▲ 0.50% · 4.625%
HK$24,413
+HK$1,400/mo
Deposit HK$2.03M · loan HK$4.75M · min. income ≈ HK$46,026/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,091
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,737
−HK$655/mo
Today · 4.125%
HK$25,392
baseline
▲ 0.50% · 4.625%
HK$26,731
+HK$1,339/mo
Deposit HK$2.03M · loan HK$4.75M · min. income ≈ HK$50,784/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,842
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,708
−HK$880/mo
Today · 4.125%
HK$29,588
baseline
▲ 0.50% · 4.625%
HK$31,388
+HK$1,800/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$59,176/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,974
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,804
−HK$843/mo
Today · 4.125%
HK$32,647
baseline
▲ 0.50% · 4.625%
HK$34,368
+HK$1,721/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$65,294/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$203,498 · 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).