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$15,245
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,719
−HK$482/mo
Today · 4.125%
HK$16,201
baseline
▲ 0.50% · 4.625%
HK$17,187
+HK$986/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,402/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,960
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,415
−HK$461/mo
Today · 4.125%
HK$17,876
baseline
▲ 0.50% · 4.625%
HK$18,819
+HK$943/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,752/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,294
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,863
−HK$578/mo
Today · 4.125%
HK$19,441
baseline
▲ 0.50% · 4.625%
HK$20,624
+HK$1,183/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,882/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,352
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,898
−HK$554/mo
Today · 4.125%
HK$21,452
baseline
▲ 0.50% · 4.625%
HK$22,582
+HK$1,130/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,904/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,343
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,007
−HK$674/mo
Today · 4.125%
HK$22,681
baseline
▲ 0.50% · 4.625%
HK$24,062
+HK$1,381/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$45,362/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,744
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,381
−HK$646/mo
Today · 4.125%
HK$25,027
baseline
▲ 0.50% · 4.625%
HK$26,346
+HK$1,319/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$50,054/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,441
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,295
−HK$867/mo
Today · 4.125%
HK$29,162
baseline
▲ 0.50% · 4.625%
HK$30,936
+HK$1,774/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$58,324/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,528
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,347
−HK$830/mo
Today · 4.125%
HK$32,177
baseline
▲ 0.50% · 4.625%
HK$33,873
+HK$1,696/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$64,354/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,571 · 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).