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$13,724
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,151
−HK$434/mo
Today · 4.125%
HK$14,585
baseline
▲ 0.50% · 4.625%
HK$15,472
+HK$887/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,170/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$136,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,268
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,677
−HK$416/mo
Today · 4.125%
HK$16,093
baseline
▲ 0.50% · 4.625%
HK$16,941
+HK$848/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,186/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$136,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,469
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,981
−HK$521/mo
Today · 4.125%
HK$17,502
baseline
▲ 0.50% · 4.625%
HK$18,567
+HK$1,065/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$35,004/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,321
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,813
−HK$498/mo
Today · 4.125%
HK$19,311
baseline
▲ 0.50% · 4.625%
HK$20,329
+HK$1,018/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,622/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,214
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,811
−HK$608/mo
Today · 4.125%
HK$20,419
baseline
▲ 0.50% · 4.625%
HK$21,661
+HK$1,242/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$40,838/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,375
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,948
−HK$582/mo
Today · 4.125%
HK$22,530
baseline
▲ 0.50% · 4.625%
HK$23,717
+HK$1,187/mo
Deposit HK$1.81M · loan HK$4.21M · min. income ≈ HK$45,060/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,703
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,472
−HK$780/mo
Today · 4.125%
HK$26,252
baseline
▲ 0.50% · 4.625%
HK$27,850
+HK$1,598/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$52,504/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$136,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,482
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,219
−HK$748/mo
Today · 4.125%
HK$28,967
baseline
▲ 0.50% · 4.625%
HK$30,494
+HK$1,527/mo
Deposit HK$602K · loan HK$5.42M · min. income ≈ HK$57,934/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$136,865 · 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).