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$14,495
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,946
−HK$458/mo
Today · 4.125%
HK$15,404
baseline
▲ 0.50% · 4.625%
HK$16,341
+HK$937/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,808/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,125
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,558
−HK$439/mo
Today · 4.125%
HK$16,997
baseline
▲ 0.50% · 4.625%
HK$17,893
+HK$896/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$33,994/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,394
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,935
−HK$550/mo
Today · 4.125%
HK$18,485
baseline
▲ 0.50% · 4.625%
HK$19,609
+HK$1,124/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,970/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,350
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,869
−HK$527/mo
Today · 4.125%
HK$20,396
baseline
▲ 0.50% · 4.625%
HK$21,471
+HK$1,075/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,792/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,293
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,924
−HK$641/mo
Today · 4.125%
HK$21,565
baseline
▲ 0.50% · 4.625%
HK$22,878
+HK$1,313/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,130/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,576
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,181
−HK$614/mo
Today · 4.125%
HK$23,795
baseline
▲ 0.50% · 4.625%
HK$25,050
+HK$1,255/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,590/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,091
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,902
−HK$825/mo
Today · 4.125%
HK$27,727
baseline
▲ 0.50% · 4.625%
HK$29,414
+HK$1,687/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$55,454/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,026
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,804
−HK$790/mo
Today · 4.125%
HK$30,594
baseline
▲ 0.50% · 4.625%
HK$32,207
+HK$1,613/mo
Deposit HK$636K · loan HK$5.72M · min. income ≈ HK$61,188/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,669 · 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).