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$14,209
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,651
−HK$449/mo
Today · 4.125%
HK$15,100
baseline
▲ 0.50% · 4.625%
HK$16,019
+HK$919/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,200/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$158,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,807
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,231
−HK$430/mo
Today · 4.125%
HK$16,661
baseline
▲ 0.50% · 4.625%
HK$17,539
+HK$878/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,322/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$158,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,051
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,581
−HK$539/mo
Today · 4.125%
HK$18,120
baseline
▲ 0.50% · 4.625%
HK$19,222
+HK$1,102/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,240/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,969
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,477
−HK$516/mo
Today · 4.125%
HK$19,993
baseline
▲ 0.50% · 4.625%
HK$21,047
+HK$1,054/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$39,986/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,892
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,511
−HK$629/mo
Today · 4.125%
HK$21,140
baseline
▲ 0.50% · 4.625%
HK$22,426
+HK$1,286/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,280/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,130
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,724
−HK$602/mo
Today · 4.125%
HK$23,326
baseline
▲ 0.50% · 4.625%
HK$24,555
+HK$1,229/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,652/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,576
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,371
−HK$809/mo
Today · 4.125%
HK$27,180
baseline
▲ 0.50% · 4.625%
HK$28,834
+HK$1,654/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$54,360/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$158,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,453
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,216
−HK$774/mo
Today · 4.125%
HK$29,990
baseline
▲ 0.50% · 4.625%
HK$31,571
+HK$1,581/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$59,980/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$158,125 · 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).