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$13,714
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,141
−HK$433/mo
Today · 4.125%
HK$14,574
baseline
▲ 0.50% · 4.625%
HK$15,461
+HK$887/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,148/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,257
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,666
−HK$415/mo
Today · 4.125%
HK$16,081
baseline
▲ 0.50% · 4.625%
HK$16,929
+HK$848/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,162/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$136,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,457
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,969
−HK$520/mo
Today · 4.125%
HK$17,489
baseline
▲ 0.50% · 4.625%
HK$18,553
+HK$1,064/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$34,978/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,308
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,799
−HK$498/mo
Today · 4.125%
HK$19,297
baseline
▲ 0.50% · 4.625%
HK$20,314
+HK$1,017/mo
Deposit HK$2.41M · loan HK$3.61M · min. income ≈ HK$38,594/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$136,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,200
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,797
−HK$607/mo
Today · 4.125%
HK$20,404
baseline
▲ 0.50% · 4.625%
HK$21,645
+HK$1,241/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$40,808/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,360
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,932
−HK$582/mo
Today · 4.125%
HK$22,514
baseline
▲ 0.50% · 4.625%
HK$23,700
+HK$1,186/mo
Deposit HK$1.80M · loan HK$4.21M · min. income ≈ HK$45,028/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$136,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,685
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,453
−HK$780/mo
Today · 4.125%
HK$26,233
baseline
▲ 0.50% · 4.625%
HK$27,830
+HK$1,597/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$52,466/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,462
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,199
−HK$747/mo
Today · 4.125%
HK$28,946
baseline
▲ 0.50% · 4.625%
HK$30,472
+HK$1,526/mo
Deposit HK$601K · loan HK$5.41M · min. income ≈ HK$57,892/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$136,428 · 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).