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$14,488
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,938
−HK$458/mo
Today · 4.125%
HK$15,396
baseline
▲ 0.50% · 4.625%
HK$16,333
+HK$937/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,792/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,117
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,549
−HK$439/mo
Today · 4.125%
HK$16,988
baseline
▲ 0.50% · 4.625%
HK$17,883
+HK$895/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$33,976/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,385
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,926
−HK$549/mo
Today · 4.125%
HK$18,475
baseline
▲ 0.50% · 4.625%
HK$19,599
+HK$1,124/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,950/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,341
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,859
−HK$527/mo
Today · 4.125%
HK$20,386
baseline
▲ 0.50% · 4.625%
HK$21,460
+HK$1,074/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,772/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,283
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,913
−HK$641/mo
Today · 4.125%
HK$21,554
baseline
▲ 0.50% · 4.625%
HK$22,866
+HK$1,312/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,108/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,564
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,169
−HK$614/mo
Today · 4.125%
HK$23,783
baseline
▲ 0.50% · 4.625%
HK$25,037
+HK$1,254/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,566/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,078
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,889
−HK$824/mo
Today · 4.125%
HK$27,713
baseline
▲ 0.50% · 4.625%
HK$29,399
+HK$1,686/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$55,426/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,011
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,789
−HK$789/mo
Today · 4.125%
HK$30,578
baseline
▲ 0.50% · 4.625%
HK$32,190
+HK$1,612/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$61,156/mo (50% DSR)
Upfront cash ≈ HK$806K (deposit + AVD stamp duty HK$170,347 · 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).