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$15,721
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,210
−HK$497/mo
Today · 4.125%
HK$16,707
baseline
▲ 0.50% · 4.625%
HK$17,724
+HK$1,017/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,414/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,490
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,959
−HK$476/mo
Today · 4.125%
HK$18,435
baseline
▲ 0.50% · 4.625%
HK$19,407
+HK$972/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,870/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,866
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,453
−HK$596/mo
Today · 4.125%
HK$20,049
baseline
▲ 0.50% · 4.625%
HK$21,269
+HK$1,220/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,098/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,988
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,551
−HK$571/mo
Today · 4.125%
HK$22,122
baseline
▲ 0.50% · 4.625%
HK$23,288
+HK$1,166/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,244/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,010
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,695
−HK$695/mo
Today · 4.125%
HK$23,390
baseline
▲ 0.50% · 4.625%
HK$24,813
+HK$1,423/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$46,780/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,486
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,143
−HK$666/mo
Today · 4.125%
HK$25,809
baseline
▲ 0.50% · 4.625%
HK$27,169
+HK$1,360/mo
Deposit HK$2.07M · loan HK$4.83M · min. income ≈ HK$51,618/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$206,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,299
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,179
−HK$894/mo
Today · 4.125%
HK$30,073
baseline
▲ 0.50% · 4.625%
HK$31,903
+HK$1,830/mo
Deposit HK$689K · loan HK$6.21M · min. income ≈ HK$60,146/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,482
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,326
−HK$857/mo
Today · 4.125%
HK$33,183
baseline
▲ 0.50% · 4.625%
HK$34,932
+HK$1,749/mo
Deposit HK$689K · loan HK$6.21M · min. income ≈ HK$66,366/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,838 · 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).