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$14,266
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,710
−HK$450/mo
Today · 4.125%
HK$15,160
baseline
▲ 0.50% · 4.625%
HK$16,083
+HK$923/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,320/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,871
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,296
−HK$432/mo
Today · 4.125%
HK$16,728
baseline
▲ 0.50% · 4.625%
HK$17,610
+HK$882/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,456/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,119
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,651
−HK$542/mo
Today · 4.125%
HK$18,193
baseline
▲ 0.50% · 4.625%
HK$19,299
+HK$1,106/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,386/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,045
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,555
−HK$519/mo
Today · 4.125%
HK$20,074
baseline
▲ 0.50% · 4.625%
HK$21,132
+HK$1,058/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,148/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,972
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,593
−HK$632/mo
Today · 4.125%
HK$21,225
baseline
▲ 0.50% · 4.625%
HK$22,516
+HK$1,291/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,450/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,219
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,815
−HK$604/mo
Today · 4.125%
HK$23,419
baseline
▲ 0.50% · 4.625%
HK$24,654
+HK$1,235/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,838/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,678
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,477
−HK$812/mo
Today · 4.125%
HK$27,289
baseline
▲ 0.50% · 4.625%
HK$28,949
+HK$1,660/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$54,578/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$160,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,567
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,333
−HK$777/mo
Today · 4.125%
HK$30,110
baseline
▲ 0.50% · 4.625%
HK$31,698
+HK$1,588/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$60,220/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$160,624 · 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).