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$14,323
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,768
−HK$453/mo
Today · 4.125%
HK$15,221
baseline
▲ 0.50% · 4.625%
HK$16,147
+HK$926/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$30,442/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$163,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,934
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,361
−HK$434/mo
Today · 4.125%
HK$16,795
baseline
▲ 0.50% · 4.625%
HK$17,680
+HK$885/mo
Deposit HK$3.14M · loan HK$3.14M · min. income ≈ HK$33,590/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$163,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,187
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,722
−HK$543/mo
Today · 4.125%
HK$18,265
baseline
▲ 0.50% · 4.625%
HK$19,377
+HK$1,112/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$36,530/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,121
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,634
−HK$520/mo
Today · 4.125%
HK$20,154
baseline
▲ 0.50% · 4.625%
HK$21,216
+HK$1,062/mo
Deposit HK$2.51M · loan HK$3.77M · min. income ≈ HK$40,308/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$163,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,052
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,676
−HK$633/mo
Today · 4.125%
HK$21,309
baseline
▲ 0.50% · 4.625%
HK$22,606
+HK$1,297/mo
Deposit HK$1.88M · loan HK$4.40M · min. income ≈ HK$42,618/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,308
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,906
−HK$607/mo
Today · 4.125%
HK$23,513
baseline
▲ 0.50% · 4.625%
HK$24,752
+HK$1,239/mo
Deposit HK$1.88M · loan HK$4.40M · min. income ≈ HK$47,026/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$163,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,781
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,583
−HK$815/mo
Today · 4.125%
HK$27,398
baseline
▲ 0.50% · 4.625%
HK$29,065
+HK$1,667/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$54,796/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$163,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,681
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,450
−HK$781/mo
Today · 4.125%
HK$30,231
baseline
▲ 0.50% · 4.625%
HK$31,824
+HK$1,593/mo
Deposit HK$628K · loan HK$5.65M · min. income ≈ HK$60,462/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$163,125 · 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).