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$15,326
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,802
−HK$485/mo
Today · 4.125%
HK$16,287
baseline
▲ 0.50% · 4.625%
HK$17,278
+HK$991/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,574/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,050
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,507
−HK$464/mo
Today · 4.125%
HK$17,971
baseline
▲ 0.50% · 4.625%
HK$18,918
+HK$947/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,942/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,391
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,963
−HK$581/mo
Today · 4.125%
HK$19,544
baseline
▲ 0.50% · 4.625%
HK$20,733
+HK$1,189/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,088/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,460
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,008
−HK$557/mo
Today · 4.125%
HK$21,565
baseline
▲ 0.50% · 4.625%
HK$22,702
+HK$1,137/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,130/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,456
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$22,123
−HK$678/mo
Today · 4.125%
HK$22,801
baseline
▲ 0.50% · 4.625%
HK$24,189
+HK$1,388/mo
Deposit HK$2.02M · loan HK$4.70M · min. income ≈ HK$45,602/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,870
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,510
−HK$649/mo
Today · 4.125%
HK$25,159
baseline
▲ 0.50% · 4.625%
HK$26,485
+HK$1,326/mo
Deposit HK$2.02M · loan HK$4.70M · min. income ≈ HK$50,318/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,586
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,444
−HK$872/mo
Today · 4.125%
HK$29,316
baseline
▲ 0.50% · 4.625%
HK$31,100
+HK$1,784/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$58,632/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,689
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,512
−HK$835/mo
Today · 4.125%
HK$32,347
baseline
▲ 0.50% · 4.625%
HK$34,053
+HK$1,706/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$64,694/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,631 · 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).