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$15,310
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,786
−HK$484/mo
Today · 4.125%
HK$16,270
baseline
▲ 0.50% · 4.625%
HK$17,260
+HK$990/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,540/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,032
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,489
−HK$463/mo
Today · 4.125%
HK$17,952
baseline
▲ 0.50% · 4.625%
HK$18,898
+HK$946/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,904/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,372
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,943
−HK$581/mo
Today · 4.125%
HK$19,524
baseline
▲ 0.50% · 4.625%
HK$20,712
+HK$1,188/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,048/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,438
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$20,987
−HK$556/mo
Today · 4.125%
HK$21,543
baseline
▲ 0.50% · 4.625%
HK$22,678
+HK$1,135/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,086/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,434
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,100
−HK$678/mo
Today · 4.125%
HK$22,778
baseline
▲ 0.50% · 4.625%
HK$24,164
+HK$1,386/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$45,556/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,845
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,484
−HK$649/mo
Today · 4.125%
HK$25,133
baseline
▲ 0.50% · 4.625%
HK$26,458
+HK$1,325/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$50,266/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,558
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,415
−HK$871/mo
Today · 4.125%
HK$29,286
baseline
▲ 0.50% · 4.625%
HK$31,068
+HK$1,782/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,572/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,658
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,480
−HK$834/mo
Today · 4.125%
HK$32,314
baseline
▲ 0.50% · 4.625%
HK$34,017
+HK$1,703/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,628/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$201,422 · 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).