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$14,444
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,893
−HK$457/mo
Today · 4.125%
HK$15,350
baseline
▲ 0.50% · 4.625%
HK$16,284
+HK$934/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,700/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,069
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,500
−HK$437/mo
Today · 4.125%
HK$16,937
baseline
▲ 0.50% · 4.625%
HK$17,830
+HK$893/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,874/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$168,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,333
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,872
−HK$548/mo
Today · 4.125%
HK$18,420
baseline
▲ 0.50% · 4.625%
HK$19,541
+HK$1,121/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$36,840/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,283
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,800
−HK$524/mo
Today · 4.125%
HK$20,324
baseline
▲ 0.50% · 4.625%
HK$21,396
+HK$1,072/mo
Deposit HK$2.53M · loan HK$3.80M · min. income ≈ HK$40,648/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$168,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,222
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,851
−HK$639/mo
Today · 4.125%
HK$21,490
baseline
▲ 0.50% · 4.625%
HK$22,797
+HK$1,307/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$42,980/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,496
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,100
−HK$612/mo
Today · 4.125%
HK$23,712
baseline
▲ 0.50% · 4.625%
HK$24,962
+HK$1,250/mo
Deposit HK$1.90M · loan HK$4.43M · min. income ≈ HK$47,424/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$168,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,999
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,808
−HK$822/mo
Today · 4.125%
HK$27,630
baseline
▲ 0.50% · 4.625%
HK$29,311
+HK$1,681/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$55,260/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,924
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,700
−HK$787/mo
Today · 4.125%
HK$30,487
baseline
▲ 0.50% · 4.625%
HK$32,094
+HK$1,607/mo
Deposit HK$633K · loan HK$5.70M · min. income ≈ HK$60,974/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$168,440 · 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).