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$15,878
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,372
−HK$501/mo
Today · 4.125%
HK$16,873
baseline
▲ 0.50% · 4.625%
HK$17,900
+HK$1,027/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$33,746/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,664
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,137
−HK$481/mo
Today · 4.125%
HK$18,618
baseline
▲ 0.50% · 4.625%
HK$19,599
+HK$981/mo
Deposit HK$3.48M · loan HK$3.48M · min. income ≈ HK$37,236/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$208,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,053
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,646
−HK$602/mo
Today · 4.125%
HK$20,248
baseline
▲ 0.50% · 4.625%
HK$21,480
+HK$1,232/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$40,496/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,197
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,765
−HK$577/mo
Today · 4.125%
HK$22,342
baseline
▲ 0.50% · 4.625%
HK$23,519
+HK$1,177/mo
Deposit HK$2.79M · loan HK$4.18M · min. income ≈ HK$44,684/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,229
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,920
−HK$703/mo
Today · 4.125%
HK$23,623
baseline
▲ 0.50% · 4.625%
HK$25,060
+HK$1,437/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$47,246/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,729
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,392
−HK$673/mo
Today · 4.125%
HK$26,065
baseline
▲ 0.50% · 4.625%
HK$27,439
+HK$1,374/mo
Deposit HK$2.09M · loan HK$4.87M · min. income ≈ HK$52,130/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$208,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,580
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,469
−HK$903/mo
Today · 4.125%
HK$30,372
baseline
▲ 0.50% · 4.625%
HK$32,220
+HK$1,848/mo
Deposit HK$696K · loan HK$6.27M · min. income ≈ HK$60,744/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,795
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,647
−HK$866/mo
Today · 4.125%
HK$33,513
baseline
▲ 0.50% · 4.625%
HK$35,279
+HK$1,766/mo
Deposit HK$696K · loan HK$6.27M · min. income ≈ HK$67,026/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$208,894 · 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).