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$14,608
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,063
−HK$461/mo
Today · 4.125%
HK$15,524
baseline
▲ 0.50% · 4.625%
HK$16,469
+HK$945/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,048/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,252
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,687
−HK$443/mo
Today · 4.125%
HK$17,130
baseline
▲ 0.50% · 4.625%
HK$18,033
+HK$903/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,260/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,530
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,075
−HK$554/mo
Today · 4.125%
HK$18,629
baseline
▲ 0.50% · 4.625%
HK$19,763
+HK$1,134/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,258/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,502
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,025
−HK$531/mo
Today · 4.125%
HK$20,556
baseline
▲ 0.50% · 4.625%
HK$21,639
+HK$1,083/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,112/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,452
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,088
−HK$646/mo
Today · 4.125%
HK$21,734
baseline
▲ 0.50% · 4.625%
HK$23,057
+HK$1,323/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,468/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,752
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,362
−HK$619/mo
Today · 4.125%
HK$23,981
baseline
▲ 0.50% · 4.625%
HK$25,246
+HK$1,265/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,962/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,295
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,113
−HK$831/mo
Today · 4.125%
HK$27,944
baseline
▲ 0.50% · 4.625%
HK$29,644
+HK$1,700/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,888/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$175,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,253
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,037
−HK$796/mo
Today · 4.125%
HK$30,833
baseline
▲ 0.50% · 4.625%
HK$32,459
+HK$1,626/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,666/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$175,644 · 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).