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$15,278
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,753
−HK$483/mo
Today · 4.125%
HK$16,236
baseline
▲ 0.50% · 4.625%
HK$17,224
+HK$988/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,472/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,997
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,453
−HK$462/mo
Today · 4.125%
HK$17,915
baseline
▲ 0.50% · 4.625%
HK$18,860
+HK$945/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,830/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,334
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,904
−HK$580/mo
Today · 4.125%
HK$19,484
baseline
▲ 0.50% · 4.625%
HK$20,669
+HK$1,185/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,968/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,396
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,943
−HK$555/mo
Today · 4.125%
HK$21,498
baseline
▲ 0.50% · 4.625%
HK$22,631
+HK$1,133/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$42,996/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,390
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,055
−HK$676/mo
Today · 4.125%
HK$22,731
baseline
▲ 0.50% · 4.625%
HK$24,114
+HK$1,383/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,462/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,796
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,434
−HK$647/mo
Today · 4.125%
HK$25,081
baseline
▲ 0.50% · 4.625%
HK$26,403
+HK$1,322/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,162/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,501
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,356
−HK$869/mo
Today · 4.125%
HK$29,225
baseline
▲ 0.50% · 4.625%
HK$31,004
+HK$1,779/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$58,450/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$201,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,594
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,415
−HK$832/mo
Today · 4.125%
HK$32,247
baseline
▲ 0.50% · 4.625%
HK$33,947
+HK$1,700/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$64,494/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$201,008 · 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).