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$14,358
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,805
−HK$454/mo
Today · 4.125%
HK$15,259
baseline
▲ 0.50% · 4.625%
HK$16,187
+HK$928/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,518/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,973
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,402
−HK$434/mo
Today · 4.125%
HK$16,836
baseline
▲ 0.50% · 4.625%
HK$17,724
+HK$888/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,672/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,230
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,766
−HK$544/mo
Today · 4.125%
HK$18,310
baseline
▲ 0.50% · 4.625%
HK$19,424
+HK$1,114/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,620/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,168
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,682
−HK$522/mo
Today · 4.125%
HK$20,204
baseline
▲ 0.50% · 4.625%
HK$21,269
+HK$1,065/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,408/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,101
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,727
−HK$635/mo
Today · 4.125%
HK$21,362
baseline
▲ 0.50% · 4.625%
HK$22,662
+HK$1,300/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,724/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,363
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,962
−HK$609/mo
Today · 4.125%
HK$23,571
baseline
▲ 0.50% · 4.625%
HK$24,813
+HK$1,242/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,142/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,845
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,649
−HK$816/mo
Today · 4.125%
HK$27,465
baseline
▲ 0.50% · 4.625%
HK$29,137
+HK$1,672/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,930/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,752
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,523
−HK$782/mo
Today · 4.125%
HK$30,305
baseline
▲ 0.50% · 4.625%
HK$31,903
+HK$1,598/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,610/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$164,674 · 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).