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$14,202
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,644
−HK$449/mo
Today · 4.125%
HK$15,093
baseline
▲ 0.50% · 4.625%
HK$16,011
+HK$918/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,186/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,800
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,223
−HK$430/mo
Today · 4.125%
HK$16,653
baseline
▲ 0.50% · 4.625%
HK$17,531
+HK$878/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,306/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,042
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,572
−HK$539/mo
Today · 4.125%
HK$18,111
baseline
▲ 0.50% · 4.625%
HK$19,213
+HK$1,102/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,222/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,959
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,468
−HK$516/mo
Today · 4.125%
HK$19,984
baseline
▲ 0.50% · 4.625%
HK$21,037
+HK$1,053/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$39,968/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,883
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,501
−HK$629/mo
Today · 4.125%
HK$21,130
baseline
▲ 0.50% · 4.625%
HK$22,415
+HK$1,285/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,260/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,119
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,713
−HK$601/mo
Today · 4.125%
HK$23,314
baseline
▲ 0.50% · 4.625%
HK$24,543
+HK$1,229/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,628/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$157,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,564
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$26,359
−HK$808/mo
Today · 4.125%
HK$27,167
baseline
▲ 0.50% · 4.625%
HK$28,820
+HK$1,653/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$54,334/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$157,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,439
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,202
−HK$774/mo
Today · 4.125%
HK$29,976
baseline
▲ 0.50% · 4.625%
HK$31,556
+HK$1,580/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$59,952/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$157,824 · 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).