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$14,653
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,109
−HK$463/mo
Today · 4.125%
HK$15,572
baseline
▲ 0.50% · 4.625%
HK$16,519
+HK$947/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,144/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,301
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,739
−HK$443/mo
Today · 4.125%
HK$17,182
baseline
▲ 0.50% · 4.625%
HK$18,088
+HK$906/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,364/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,584
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,131
−HK$555/mo
Today · 4.125%
HK$18,686
baseline
▲ 0.50% · 4.625%
HK$19,823
+HK$1,137/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,372/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,562
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,086
−HK$533/mo
Today · 4.125%
HK$20,619
baseline
▲ 0.50% · 4.625%
HK$21,705
+HK$1,086/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,238/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,514
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,152
−HK$649/mo
Today · 4.125%
HK$21,801
baseline
▲ 0.50% · 4.625%
HK$23,127
+HK$1,326/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,602/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,822
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,434
−HK$621/mo
Today · 4.125%
HK$24,055
baseline
▲ 0.50% · 4.625%
HK$25,323
+HK$1,268/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,110/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,376
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,196
−HK$833/mo
Today · 4.125%
HK$28,029
baseline
▲ 0.50% · 4.625%
HK$29,735
+HK$1,706/mo
Deposit HK$643K · loan HK$5.78M · min. income ≈ HK$56,058/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,342
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,129
−HK$799/mo
Today · 4.125%
HK$30,928
baseline
▲ 0.50% · 4.625%
HK$32,558
+HK$1,630/mo
Deposit HK$643K · loan HK$5.78M · min. income ≈ HK$61,856/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,606 · 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).