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$15,256
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,731
−HK$482/mo
Today · 4.125%
HK$16,213
baseline
▲ 0.50% · 4.625%
HK$17,199
+HK$986/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,426/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,972
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,427
−HK$462/mo
Today · 4.125%
HK$17,889
baseline
▲ 0.50% · 4.625%
HK$18,832
+HK$943/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,778/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,307
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,877
−HK$578/mo
Today · 4.125%
HK$19,455
baseline
▲ 0.50% · 4.625%
HK$20,639
+HK$1,184/mo
Deposit HK$2.68M · loan HK$4.01M · min. income ≈ HK$38,910/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,367
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,913
−HK$554/mo
Today · 4.125%
HK$21,467
baseline
▲ 0.50% · 4.625%
HK$22,598
+HK$1,131/mo
Deposit HK$2.68M · loan HK$4.01M · min. income ≈ HK$42,934/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,358
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,023
−HK$675/mo
Today · 4.125%
HK$22,698
baseline
▲ 0.50% · 4.625%
HK$24,079
+HK$1,381/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$45,396/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,761
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,398
−HK$647/mo
Today · 4.125%
HK$25,045
baseline
▲ 0.50% · 4.625%
HK$26,365
+HK$1,320/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$50,090/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,461
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,315
−HK$868/mo
Today · 4.125%
HK$29,183
baseline
▲ 0.50% · 4.625%
HK$30,958
+HK$1,775/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$58,366/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,550
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,369
−HK$831/mo
Today · 4.125%
HK$32,200
baseline
▲ 0.50% · 4.625%
HK$33,898
+HK$1,698/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$64,400/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,714 · 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).