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$15,753
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,243
−HK$498/mo
Today · 4.125%
HK$16,741
baseline
▲ 0.50% · 4.625%
HK$17,759
+HK$1,018/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,482/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,525
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,995
−HK$477/mo
Today · 4.125%
HK$18,472
baseline
▲ 0.50% · 4.625%
HK$19,445
+HK$973/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,944/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,904
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,492
−HK$597/mo
Today · 4.125%
HK$20,089
baseline
▲ 0.50% · 4.625%
HK$21,311
+HK$1,222/mo
Deposit HK$2.76M · loan HK$4.15M · min. income ≈ HK$40,178/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,030
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,594
−HK$572/mo
Today · 4.125%
HK$22,166
baseline
▲ 0.50% · 4.625%
HK$23,335
+HK$1,169/mo
Deposit HK$2.76M · loan HK$4.15M · min. income ≈ HK$44,332/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,054
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,740
−HK$697/mo
Today · 4.125%
HK$23,437
baseline
▲ 0.50% · 4.625%
HK$24,863
+HK$1,426/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$46,874/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,535
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,193
−HK$668/mo
Today · 4.125%
HK$25,861
baseline
▲ 0.50% · 4.625%
HK$27,224
+HK$1,363/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$51,722/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,355
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,237
−HK$896/mo
Today · 4.125%
HK$30,133
baseline
▲ 0.50% · 4.625%
HK$31,967
+HK$1,834/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$60,266/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,545
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,391
−HK$858/mo
Today · 4.125%
HK$33,249
baseline
▲ 0.50% · 4.625%
HK$35,002
+HK$1,753/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$66,498/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,253 · 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).