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$15,387
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,866
−HK$486/mo
Today · 4.125%
HK$16,352
baseline
▲ 0.50% · 4.625%
HK$17,347
+HK$995/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,704/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,118
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,577
−HK$466/mo
Today · 4.125%
HK$18,043
baseline
▲ 0.50% · 4.625%
HK$18,994
+HK$951/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,086/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,464
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,039
−HK$583/mo
Today · 4.125%
HK$19,622
baseline
▲ 0.50% · 4.625%
HK$20,816
+HK$1,194/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,244/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,541
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,092
−HK$559/mo
Today · 4.125%
HK$21,651
baseline
▲ 0.50% · 4.625%
HK$22,792
+HK$1,141/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,302/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,542
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,212
−HK$681/mo
Today · 4.125%
HK$22,893
baseline
▲ 0.50% · 4.625%
HK$24,285
+HK$1,392/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,786/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,965
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,608
−HK$652/mo
Today · 4.125%
HK$25,260
baseline
▲ 0.50% · 4.625%
HK$26,591
+HK$1,331/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,520/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,696
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,558
−HK$875/mo
Today · 4.125%
HK$29,433
baseline
▲ 0.50% · 4.625%
HK$31,224
+HK$1,791/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$58,866/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,812
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,638
−HK$839/mo
Today · 4.125%
HK$32,477
baseline
▲ 0.50% · 4.625%
HK$34,189
+HK$1,712/mo
Deposit HK$675K · loan HK$6.07M · min. income ≈ HK$64,954/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,437 · 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).