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$13,938
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,371
−HK$441/mo
Today · 4.125%
HK$14,812
baseline
▲ 0.50% · 4.625%
HK$15,713
+HK$901/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,624/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,506
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,922
−HK$421/mo
Today · 4.125%
HK$16,343
baseline
▲ 0.50% · 4.625%
HK$17,205
+HK$862/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,686/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$146,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,725
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,246
−HK$528/mo
Today · 4.125%
HK$17,774
baseline
▲ 0.50% · 4.625%
HK$18,856
+HK$1,082/mo
Deposit HK$2.44M · loan HK$3.67M · min. income ≈ HK$35,548/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,607
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,106
−HK$506/mo
Today · 4.125%
HK$19,612
baseline
▲ 0.50% · 4.625%
HK$20,646
+HK$1,034/mo
Deposit HK$2.44M · loan HK$3.67M · min. income ≈ HK$39,224/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$146,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,513
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,120
−HK$617/mo
Today · 4.125%
HK$20,737
baseline
▲ 0.50% · 4.625%
HK$21,998
+HK$1,261/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,474/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,708
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,290
−HK$591/mo
Today · 4.125%
HK$22,881
baseline
▲ 0.50% · 4.625%
HK$24,087
+HK$1,206/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$45,762/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$146,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,088
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,868
−HK$793/mo
Today · 4.125%
HK$26,661
baseline
▲ 0.50% · 4.625%
HK$28,284
+HK$1,623/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$53,322/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$146,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,910
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,659
−HK$759/mo
Today · 4.125%
HK$29,418
baseline
▲ 0.50% · 4.625%
HK$30,969
+HK$1,551/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$58,836/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$146,240 · 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).