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$13,833
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,264
−HK$437/mo
Today · 4.125%
HK$14,701
baseline
▲ 0.50% · 4.625%
HK$15,595
+HK$894/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,402/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,389
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,802
−HK$419/mo
Today · 4.125%
HK$16,221
baseline
▲ 0.50% · 4.625%
HK$17,076
+HK$855/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,442/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$141,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,600
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,116
−HK$525/mo
Today · 4.125%
HK$17,641
baseline
▲ 0.50% · 4.625%
HK$18,714
+HK$1,073/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,282/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,467
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,963
−HK$502/mo
Today · 4.125%
HK$19,465
baseline
▲ 0.50% · 4.625%
HK$20,491
+HK$1,026/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,930/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,367
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,969
−HK$612/mo
Today · 4.125%
HK$20,581
baseline
▲ 0.50% · 4.625%
HK$21,833
+HK$1,252/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,162/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,545
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,123
−HK$586/mo
Today · 4.125%
HK$22,709
baseline
▲ 0.50% · 4.625%
HK$23,906
+HK$1,197/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,418/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,900
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,675
−HK$786/mo
Today · 4.125%
HK$26,461
baseline
▲ 0.50% · 4.625%
HK$28,072
+HK$1,611/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$52,922/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,701
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,444
−HK$754/mo
Today · 4.125%
HK$29,198
baseline
▲ 0.50% · 4.625%
HK$30,737
+HK$1,539/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$58,396/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$141,658 · 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).