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$14,208
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,650
−HK$449/mo
Today · 4.125%
HK$15,099
baseline
▲ 0.50% · 4.625%
HK$16,018
+HK$919/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,198/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$158,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,807
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,231
−HK$430/mo
Today · 4.125%
HK$16,661
baseline
▲ 0.50% · 4.625%
HK$17,539
+HK$878/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,322/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$158,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,050
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,581
−HK$538/mo
Today · 4.125%
HK$18,119
baseline
▲ 0.50% · 4.625%
HK$19,222
+HK$1,103/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,238/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,968
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,477
−HK$516/mo
Today · 4.125%
HK$19,993
baseline
▲ 0.50% · 4.625%
HK$21,047
+HK$1,054/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$39,986/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,892
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,511
−HK$628/mo
Today · 4.125%
HK$21,139
baseline
▲ 0.50% · 4.625%
HK$22,426
+HK$1,287/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,278/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,130
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,723
−HK$602/mo
Today · 4.125%
HK$23,325
baseline
▲ 0.50% · 4.625%
HK$24,555
+HK$1,230/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,650/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,575
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,371
−HK$808/mo
Today · 4.125%
HK$27,179
baseline
▲ 0.50% · 4.625%
HK$28,833
+HK$1,654/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$54,358/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$158,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,452
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,215
−HK$774/mo
Today · 4.125%
HK$29,989
baseline
▲ 0.50% · 4.625%
HK$31,570
+HK$1,581/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$59,978/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$158,109 · 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).