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$13,894
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,326
−HK$440/mo
Today · 4.125%
HK$14,766
baseline
▲ 0.50% · 4.625%
HK$15,664
+HK$898/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$144,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,457
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,872
−HK$420/mo
Today · 4.125%
HK$16,292
baseline
▲ 0.50% · 4.625%
HK$17,151
+HK$859/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,584/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$144,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,673
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,192
−HK$527/mo
Today · 4.125%
HK$17,719
baseline
▲ 0.50% · 4.625%
HK$18,797
+HK$1,078/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,438/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,549
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,046
−HK$505/mo
Today · 4.125%
HK$19,551
baseline
▲ 0.50% · 4.625%
HK$20,581
+HK$1,030/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,102/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$144,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,452
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,057
−HK$615/mo
Today · 4.125%
HK$20,672
baseline
▲ 0.50% · 4.625%
HK$21,930
+HK$1,258/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,344/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,640
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,221
−HK$588/mo
Today · 4.125%
HK$22,809
baseline
▲ 0.50% · 4.625%
HK$24,012
+HK$1,203/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,618/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$144,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,010
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,788
−HK$790/mo
Today · 4.125%
HK$26,578
baseline
▲ 0.50% · 4.625%
HK$28,195
+HK$1,617/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$53,156/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$144,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,823
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,569
−HK$757/mo
Today · 4.125%
HK$29,326
baseline
▲ 0.50% · 4.625%
HK$30,872
+HK$1,546/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$58,652/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$144,331 · 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).