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$15,715
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,204
−HK$496/mo
Today · 4.125%
HK$16,700
baseline
▲ 0.50% · 4.625%
HK$17,716
+HK$1,016/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,400/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,483
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,952
−HK$475/mo
Today · 4.125%
HK$18,427
baseline
▲ 0.50% · 4.625%
HK$19,398
+HK$971/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,854/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,858
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,444
−HK$596/mo
Today · 4.125%
HK$20,040
baseline
▲ 0.50% · 4.625%
HK$21,260
+HK$1,220/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,080/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,979
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,542
−HK$571/mo
Today · 4.125%
HK$22,113
baseline
▲ 0.50% · 4.625%
HK$23,278
+HK$1,165/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,226/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,001
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,685
−HK$695/mo
Today · 4.125%
HK$23,380
baseline
▲ 0.50% · 4.625%
HK$24,803
+HK$1,423/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$46,760/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,476
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,132
−HK$666/mo
Today · 4.125%
HK$25,798
baseline
▲ 0.50% · 4.625%
HK$27,158
+HK$1,360/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$51,596/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,287
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,167
−HK$894/mo
Today · 4.125%
HK$30,061
baseline
▲ 0.50% · 4.625%
HK$31,890
+HK$1,829/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$60,122/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,469
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,313
−HK$856/mo
Today · 4.125%
HK$33,169
baseline
▲ 0.50% · 4.625%
HK$34,917
+HK$1,748/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$66,338/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,752 · 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).