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$14,470
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,920
−HK$457/mo
Today · 4.125%
HK$15,377
baseline
▲ 0.50% · 4.625%
HK$16,313
+HK$936/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,754/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,098
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,529
−HK$438/mo
Today · 4.125%
HK$16,967
baseline
▲ 0.50% · 4.625%
HK$17,862
+HK$895/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,934/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,364
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,904
−HK$549/mo
Today · 4.125%
HK$18,453
baseline
▲ 0.50% · 4.625%
HK$19,576
+HK$1,123/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,906/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,317
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,835
−HK$526/mo
Today · 4.125%
HK$20,361
baseline
▲ 0.50% · 4.625%
HK$21,434
+HK$1,073/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,722/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,258
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,888
−HK$640/mo
Today · 4.125%
HK$21,528
baseline
▲ 0.50% · 4.625%
HK$22,838
+HK$1,310/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,056/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,537
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,141
−HK$613/mo
Today · 4.125%
HK$23,754
baseline
▲ 0.50% · 4.625%
HK$25,006
+HK$1,252/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,508/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,046
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,856
−HK$823/mo
Today · 4.125%
HK$27,679
baseline
▲ 0.50% · 4.625%
HK$29,363
+HK$1,684/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$55,358/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$169,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,976
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,753
−HK$788/mo
Today · 4.125%
HK$30,541
baseline
▲ 0.50% · 4.625%
HK$32,151
+HK$1,610/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$61,082/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$169,575 · 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).