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$14,419
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,867
−HK$456/mo
Today · 4.125%
HK$15,323
baseline
▲ 0.50% · 4.625%
HK$16,255
+HK$932/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,646/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,040
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,471
−HK$436/mo
Today · 4.125%
HK$16,907
baseline
▲ 0.50% · 4.625%
HK$17,798
+HK$891/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,814/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,302
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,840
−HK$547/mo
Today · 4.125%
HK$18,387
baseline
▲ 0.50% · 4.625%
HK$19,506
+HK$1,119/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,774/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,249
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,765
−HK$523/mo
Today · 4.125%
HK$20,288
baseline
▲ 0.50% · 4.625%
HK$21,358
+HK$1,070/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,576/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,186
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,814
−HK$638/mo
Today · 4.125%
HK$21,452
baseline
▲ 0.50% · 4.625%
HK$22,757
+HK$1,305/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,904/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$167,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,457
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,059
−HK$611/mo
Today · 4.125%
HK$23,670
baseline
▲ 0.50% · 4.625%
HK$24,918
+HK$1,248/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,340/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$167,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,953
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,761
−HK$820/mo
Today · 4.125%
HK$27,581
baseline
▲ 0.50% · 4.625%
HK$29,259
+HK$1,678/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$55,162/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$167,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,873
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,647
−HK$786/mo
Today · 4.125%
HK$30,433
baseline
▲ 0.50% · 4.625%
HK$32,037
+HK$1,604/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$60,866/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$167,320 · 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).