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$15,845
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,338
−HK$501/mo
Today · 4.125%
HK$16,839
baseline
▲ 0.50% · 4.625%
HK$17,863
+HK$1,024/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,678/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,627
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,100
−HK$480/mo
Today · 4.125%
HK$18,580
baseline
▲ 0.50% · 4.625%
HK$19,559
+HK$979/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,160/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,014
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,605
−HK$601/mo
Today · 4.125%
HK$20,206
baseline
▲ 0.50% · 4.625%
HK$21,436
+HK$1,230/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,412/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,153
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,720
−HK$576/mo
Today · 4.125%
HK$22,296
baseline
▲ 0.50% · 4.625%
HK$23,471
+HK$1,175/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,592/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,183
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,873
−HK$701/mo
Today · 4.125%
HK$23,574
baseline
▲ 0.50% · 4.625%
HK$25,008
+HK$1,434/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,148/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,678
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,340
−HK$672/mo
Today · 4.125%
HK$26,012
baseline
▲ 0.50% · 4.625%
HK$27,383
+HK$1,371/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$52,024/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,521
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,408
−HK$901/mo
Today · 4.125%
HK$30,309
baseline
▲ 0.50% · 4.625%
HK$32,154
+HK$1,845/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$60,618/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,729
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,580
−HK$863/mo
Today · 4.125%
HK$33,443
baseline
▲ 0.50% · 4.625%
HK$35,206
+HK$1,763/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$66,886/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,463 · 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).