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$15,611
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,097
−HK$493/mo
Today · 4.125%
HK$16,590
baseline
▲ 0.50% · 4.625%
HK$17,600
+HK$1,010/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,180/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,367
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,833
−HK$473/mo
Today · 4.125%
HK$18,306
baseline
▲ 0.50% · 4.625%
HK$19,271
+HK$965/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,612/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,734
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,316
−HK$592/mo
Today · 4.125%
HK$19,908
baseline
▲ 0.50% · 4.625%
HK$21,120
+HK$1,212/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,816/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,841
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,400
−HK$567/mo
Today · 4.125%
HK$21,967
baseline
▲ 0.50% · 4.625%
HK$23,125
+HK$1,158/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,934/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,856
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,536
−HK$690/mo
Today · 4.125%
HK$23,226
baseline
▲ 0.50% · 4.625%
HK$24,640
+HK$1,414/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,452/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,314
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$24,967
−HK$661/mo
Today · 4.125%
HK$25,628
baseline
▲ 0.50% · 4.625%
HK$26,979
+HK$1,351/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,256/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,100
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,974
−HK$889/mo
Today · 4.125%
HK$29,863
baseline
▲ 0.50% · 4.625%
HK$31,680
+HK$1,817/mo
Deposit HK$685K · loan HK$6.16M · min. income ≈ HK$59,726/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,261
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,100
−HK$850/mo
Today · 4.125%
HK$32,950
baseline
▲ 0.50% · 4.625%
HK$34,687
+HK$1,737/mo
Deposit HK$685K · loan HK$6.16M · min. income ≈ HK$65,900/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$205,389 · 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).