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$14,478
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,928
−HK$458/mo
Today · 4.125%
HK$15,386
baseline
▲ 0.50% · 4.625%
HK$16,322
+HK$936/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,772/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,107
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,539
−HK$438/mo
Today · 4.125%
HK$16,977
baseline
▲ 0.50% · 4.625%
HK$17,872
+HK$895/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,954/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,374
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,914
−HK$549/mo
Today · 4.125%
HK$18,463
baseline
▲ 0.50% · 4.625%
HK$19,586
+HK$1,123/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,926/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,328
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,846
−HK$526/mo
Today · 4.125%
HK$20,372
baseline
▲ 0.50% · 4.625%
HK$21,446
+HK$1,074/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,744/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,269
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,900
−HK$640/mo
Today · 4.125%
HK$21,540
baseline
▲ 0.50% · 4.625%
HK$22,851
+HK$1,311/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,080/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,549
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,154
−HK$613/mo
Today · 4.125%
HK$23,767
baseline
▲ 0.50% · 4.625%
HK$25,020
+HK$1,253/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,534/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,060
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,871
−HK$824/mo
Today · 4.125%
HK$27,695
baseline
▲ 0.50% · 4.625%
HK$29,380
+HK$1,685/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$55,390/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$169,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,992
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,769
−HK$789/mo
Today · 4.125%
HK$30,558
baseline
▲ 0.50% · 4.625%
HK$32,169
+HK$1,611/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$61,116/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$169,928 · 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).