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$13,895
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,327
−HK$439/mo
Today · 4.125%
HK$14,766
baseline
▲ 0.50% · 4.625%
HK$15,665
+HK$899/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,532/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,458
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,873
−HK$420/mo
Today · 4.125%
HK$16,293
baseline
▲ 0.50% · 4.625%
HK$17,152
+HK$859/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,586/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,674
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,193
−HK$527/mo
Today · 4.125%
HK$17,720
baseline
▲ 0.50% · 4.625%
HK$18,798
+HK$1,078/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,440/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,550
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,047
−HK$505/mo
Today · 4.125%
HK$19,552
baseline
▲ 0.50% · 4.625%
HK$20,582
+HK$1,030/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,104/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,453
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,058
−HK$615/mo
Today · 4.125%
HK$20,673
baseline
▲ 0.50% · 4.625%
HK$21,931
+HK$1,258/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,346/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,641
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,222
−HK$588/mo
Today · 4.125%
HK$22,810
baseline
▲ 0.50% · 4.625%
HK$24,013
+HK$1,203/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,620/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,011
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,789
−HK$790/mo
Today · 4.125%
HK$26,579
baseline
▲ 0.50% · 4.625%
HK$28,197
+HK$1,618/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$53,158/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$144,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,824
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$28,571
−HK$757/mo
Today · 4.125%
HK$29,328
baseline
▲ 0.50% · 4.625%
HK$30,874
+HK$1,546/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$58,656/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$144,359 · 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).