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$15,343
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,820
−HK$485/mo
Today · 4.125%
HK$16,305
baseline
▲ 0.50% · 4.625%
HK$17,297
+HK$992/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,610/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,069
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,527
−HK$464/mo
Today · 4.125%
HK$17,991
baseline
▲ 0.50% · 4.625%
HK$18,939
+HK$948/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,982/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,411
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,984
−HK$582/mo
Today · 4.125%
HK$19,566
baseline
▲ 0.50% · 4.625%
HK$20,757
+HK$1,191/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,132/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,483
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,032
−HK$557/mo
Today · 4.125%
HK$21,589
baseline
▲ 0.50% · 4.625%
HK$22,727
+HK$1,138/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,178/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,480
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,148
−HK$679/mo
Today · 4.125%
HK$22,827
baseline
▲ 0.50% · 4.625%
HK$24,216
+HK$1,389/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,654/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,896
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$24,537
−HK$650/mo
Today · 4.125%
HK$25,187
baseline
▲ 0.50% · 4.625%
HK$26,515
+HK$1,328/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,374/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,617
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,476
−HK$873/mo
Today · 4.125%
HK$29,349
baseline
▲ 0.50% · 4.625%
HK$31,135
+HK$1,786/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$58,698/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,724
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,548
−HK$836/mo
Today · 4.125%
HK$32,384
baseline
▲ 0.50% · 4.625%
HK$34,091
+HK$1,707/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$64,768/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,858 · 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).