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$14,179
−HK$889/mo
▼ 0.25% · 3.875%
HK$14,620
−HK$448/mo
Today · 4.125%
HK$15,068
baseline
▲ 0.50% · 4.625%
HK$15,985
+HK$917/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,136/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$156,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,774
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,197
−HK$429/mo
Today · 4.125%
HK$16,626
baseline
▲ 0.50% · 4.625%
HK$17,503
+HK$877/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,252/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$156,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,015
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,544
−HK$538/mo
Today · 4.125%
HK$18,082
baseline
▲ 0.50% · 4.625%
HK$19,182
+HK$1,100/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,164/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,929
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,437
−HK$515/mo
Today · 4.125%
HK$19,952
baseline
▲ 0.50% · 4.625%
HK$21,003
+HK$1,051/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,904/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,851
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,468
−HK$628/mo
Today · 4.125%
HK$21,096
baseline
▲ 0.50% · 4.625%
HK$22,379
+HK$1,283/mo
Deposit HK$1.87M · loan HK$4.35M · min. income ≈ HK$42,192/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,084
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,676
−HK$601/mo
Today · 4.125%
HK$23,277
baseline
▲ 0.50% · 4.625%
HK$24,504
+HK$1,227/mo
Deposit HK$1.87M · loan HK$4.35M · min. income ≈ HK$46,554/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,522
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,316
−HK$807/mo
Today · 4.125%
HK$27,123
baseline
▲ 0.50% · 4.625%
HK$28,773
+HK$1,650/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$54,246/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$156,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,393
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,155
−HK$772/mo
Today · 4.125%
HK$29,927
baseline
▲ 0.50% · 4.625%
HK$31,505
+HK$1,578/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$59,854/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$156,823 · 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).