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$14,771
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,230
−HK$467/mo
Today · 4.125%
HK$15,697
baseline
▲ 0.50% · 4.625%
HK$16,652
+HK$955/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,394/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,432
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,873
−HK$447/mo
Today · 4.125%
HK$17,320
baseline
▲ 0.50% · 4.625%
HK$18,233
+HK$913/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,640/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,725
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,276
−HK$560/mo
Today · 4.125%
HK$18,836
baseline
▲ 0.50% · 4.625%
HK$19,983
+HK$1,147/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,672/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,719
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,248
−HK$536/mo
Today · 4.125%
HK$20,784
baseline
▲ 0.50% · 4.625%
HK$21,880
+HK$1,096/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,568/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,679
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,322
−HK$654/mo
Today · 4.125%
HK$21,976
baseline
▲ 0.50% · 4.625%
HK$23,313
+HK$1,337/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,952/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$182,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,005
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,622
−HK$626/mo
Today · 4.125%
HK$24,248
baseline
▲ 0.50% · 4.625%
HK$25,526
+HK$1,278/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,496/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$182,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,587
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,414
−HK$841/mo
Today · 4.125%
HK$28,255
baseline
▲ 0.50% · 4.625%
HK$29,974
+HK$1,719/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,510/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$182,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,578
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,372
−HK$804/mo
Today · 4.125%
HK$31,176
baseline
▲ 0.50% · 4.625%
HK$32,820
+HK$1,644/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,352/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$182,770 · 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).