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$14,607
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,062
−HK$461/mo
Today · 4.125%
HK$15,523
baseline
▲ 0.50% · 4.625%
HK$16,468
+HK$945/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,046/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,250
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,686
−HK$442/mo
Today · 4.125%
HK$17,128
baseline
▲ 0.50% · 4.625%
HK$18,031
+HK$903/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,256/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,529
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,074
−HK$554/mo
Today · 4.125%
HK$18,628
baseline
▲ 0.50% · 4.625%
HK$19,761
+HK$1,133/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,256/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,500
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,023
−HK$531/mo
Today · 4.125%
HK$20,554
baseline
▲ 0.50% · 4.625%
HK$21,637
+HK$1,083/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,108/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,450
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,086
−HK$647/mo
Today · 4.125%
HK$21,733
baseline
▲ 0.50% · 4.625%
HK$23,055
+HK$1,322/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,466/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,751
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,361
−HK$619/mo
Today · 4.125%
HK$23,980
baseline
▲ 0.50% · 4.625%
HK$25,244
+HK$1,264/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,960/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,293
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,111
−HK$831/mo
Today · 4.125%
HK$27,942
baseline
▲ 0.50% · 4.625%
HK$29,642
+HK$1,700/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,884/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$175,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,251
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,035
−HK$796/mo
Today · 4.125%
HK$30,831
baseline
▲ 0.50% · 4.625%
HK$32,456
+HK$1,625/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,662/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$175,596 · 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).