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$14,388
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,836
−HK$455/mo
Today · 4.125%
HK$15,291
baseline
▲ 0.50% · 4.625%
HK$16,221
+HK$930/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,582/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,007
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,436
−HK$436/mo
Today · 4.125%
HK$16,872
baseline
▲ 0.50% · 4.625%
HK$17,761
+HK$889/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,744/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,266
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,803
−HK$546/mo
Today · 4.125%
HK$18,349
baseline
▲ 0.50% · 4.625%
HK$19,465
+HK$1,116/mo
Deposit HK$2.52M · loan HK$3.79M · min. income ≈ HK$36,698/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,208
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,724
−HK$522/mo
Today · 4.125%
HK$20,246
baseline
▲ 0.50% · 4.625%
HK$21,313
+HK$1,067/mo
Deposit HK$2.52M · loan HK$3.79M · min. income ≈ HK$40,492/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,144
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,770
−HK$637/mo
Today · 4.125%
HK$21,407
baseline
▲ 0.50% · 4.625%
HK$22,710
+HK$1,303/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$42,814/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,410
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,011
−HK$610/mo
Today · 4.125%
HK$23,621
baseline
▲ 0.50% · 4.625%
HK$24,866
+HK$1,245/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$47,242/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,899
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,705
−HK$818/mo
Today · 4.125%
HK$27,523
baseline
▲ 0.50% · 4.625%
HK$29,198
+HK$1,675/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$55,046/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$166,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,813
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,585
−HK$784/mo
Today · 4.125%
HK$30,369
baseline
▲ 0.50% · 4.625%
HK$31,970
+HK$1,601/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$60,738/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$166,002 · 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).