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$14,699
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,156
−HK$464/mo
Today · 4.125%
HK$15,620
baseline
▲ 0.50% · 4.625%
HK$16,571
+HK$951/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,240/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,352
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,791
−HK$445/mo
Today · 4.125%
HK$17,236
baseline
▲ 0.50% · 4.625%
HK$18,144
+HK$908/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,472/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,638
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,187
−HK$557/mo
Today · 4.125%
HK$18,744
baseline
▲ 0.50% · 4.625%
HK$19,885
+HK$1,141/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,488/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,622
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,149
−HK$534/mo
Today · 4.125%
HK$20,683
baseline
▲ 0.50% · 4.625%
HK$21,773
+HK$1,090/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,366/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,578
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,218
−HK$650/mo
Today · 4.125%
HK$21,868
baseline
▲ 0.50% · 4.625%
HK$23,199
+HK$1,331/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,736/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,893
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,507
−HK$623/mo
Today · 4.125%
HK$24,130
baseline
▲ 0.50% · 4.625%
HK$25,402
+HK$1,272/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,260/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,458
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,280
−HK$837/mo
Today · 4.125%
HK$28,117
baseline
▲ 0.50% · 4.625%
HK$29,827
+HK$1,710/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$56,234/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,434
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,223
−HK$801/mo
Today · 4.125%
HK$31,024
baseline
▲ 0.50% · 4.625%
HK$32,659
+HK$1,635/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$62,048/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,604 · 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).