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$13,907
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,339
−HK$440/mo
Today · 4.125%
HK$14,779
baseline
▲ 0.50% · 4.625%
HK$15,678
+HK$899/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,558/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,471
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,886
−HK$421/mo
Today · 4.125%
HK$16,307
baseline
▲ 0.50% · 4.625%
HK$17,167
+HK$860/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,614/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,688
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,207
−HK$528/mo
Today · 4.125%
HK$17,735
baseline
▲ 0.50% · 4.625%
HK$18,814
+HK$1,079/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,470/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,566
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,063
−HK$506/mo
Today · 4.125%
HK$19,569
baseline
▲ 0.50% · 4.625%
HK$20,600
+HK$1,031/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,138/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,470
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,075
−HK$616/mo
Today · 4.125%
HK$20,691
baseline
▲ 0.50% · 4.625%
HK$21,950
+HK$1,259/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,382/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,660
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,241
−HK$589/mo
Today · 4.125%
HK$22,830
baseline
▲ 0.50% · 4.625%
HK$24,033
+HK$1,203/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,660/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,032
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,811
−HK$791/mo
Today · 4.125%
HK$26,602
baseline
▲ 0.50% · 4.625%
HK$28,221
+HK$1,619/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$53,204/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$144,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,848
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,595
−HK$758/mo
Today · 4.125%
HK$29,353
baseline
▲ 0.50% · 4.625%
HK$30,900
+HK$1,547/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$58,706/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$144,883 · 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).