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$14,229
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,672
−HK$449/mo
Today · 4.125%
HK$15,121
baseline
▲ 0.50% · 4.625%
HK$16,041
+HK$920/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,242/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,830
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,254
−HK$431/mo
Today · 4.125%
HK$16,685
baseline
▲ 0.50% · 4.625%
HK$17,564
+HK$879/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,370/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,075
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,606
−HK$540/mo
Today · 4.125%
HK$18,146
baseline
▲ 0.50% · 4.625%
HK$19,250
+HK$1,104/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$36,292/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,996
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,505
−HK$517/mo
Today · 4.125%
HK$20,022
baseline
▲ 0.50% · 4.625%
HK$21,077
+HK$1,055/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$40,044/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,921
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,540
−HK$630/mo
Today · 4.125%
HK$21,170
baseline
▲ 0.50% · 4.625%
HK$22,458
+HK$1,288/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,340/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,161
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,756
−HK$603/mo
Today · 4.125%
HK$23,359
baseline
▲ 0.50% · 4.625%
HK$24,590
+HK$1,231/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,718/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,612
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,409
−HK$809/mo
Today · 4.125%
HK$27,218
baseline
▲ 0.50% · 4.625%
HK$28,874
+HK$1,656/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$54,436/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$159,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,493
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,257
−HK$776/mo
Today · 4.125%
HK$30,033
baseline
▲ 0.50% · 4.625%
HK$31,616
+HK$1,583/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$60,066/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$159,009 · 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).