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$13,710
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,137
−HK$433/mo
Today · 4.125%
HK$14,570
baseline
▲ 0.50% · 4.625%
HK$15,457
+HK$887/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,140/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,253
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,662
−HK$415/mo
Today · 4.125%
HK$16,077
baseline
▲ 0.50% · 4.625%
HK$16,924
+HK$847/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,154/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,453
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,964
−HK$520/mo
Today · 4.125%
HK$17,484
baseline
▲ 0.50% · 4.625%
HK$18,548
+HK$1,064/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$34,968/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,303
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,794
−HK$498/mo
Today · 4.125%
HK$19,292
baseline
▲ 0.50% · 4.625%
HK$20,309
+HK$1,017/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,584/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,195
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,792
−HK$606/mo
Today · 4.125%
HK$20,398
baseline
▲ 0.50% · 4.625%
HK$21,640
+HK$1,242/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$40,796/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,354
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,927
−HK$581/mo
Today · 4.125%
HK$22,508
baseline
▲ 0.50% · 4.625%
HK$23,694
+HK$1,186/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$45,016/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,679
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,447
−HK$779/mo
Today · 4.125%
HK$26,226
baseline
▲ 0.50% · 4.625%
HK$27,822
+HK$1,596/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$52,452/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,455
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,191
−HK$747/mo
Today · 4.125%
HK$28,938
baseline
▲ 0.50% · 4.625%
HK$30,464
+HK$1,526/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$57,876/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,269 · 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).