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$14,172
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,613
−HK$447/mo
Today · 4.125%
HK$15,060
baseline
▲ 0.50% · 4.625%
HK$15,977
+HK$917/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,120/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,766
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,189
−HK$429/mo
Today · 4.125%
HK$16,618
baseline
▲ 0.50% · 4.625%
HK$17,494
+HK$876/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,236/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,006
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,535
−HK$538/mo
Today · 4.125%
HK$18,073
baseline
▲ 0.50% · 4.625%
HK$19,172
+HK$1,099/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,146/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,919
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,427
−HK$514/mo
Today · 4.125%
HK$19,941
baseline
▲ 0.50% · 4.625%
HK$20,992
+HK$1,051/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,882/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,840
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,458
−HK$627/mo
Today · 4.125%
HK$21,085
baseline
▲ 0.50% · 4.625%
HK$22,368
+HK$1,283/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$42,170/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,072
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,664
−HK$601/mo
Today · 4.125%
HK$23,265
baseline
▲ 0.50% · 4.625%
HK$24,491
+HK$1,226/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$46,530/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,509
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,303
−HK$806/mo
Today · 4.125%
HK$27,109
baseline
▲ 0.50% · 4.625%
HK$28,758
+HK$1,649/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$54,218/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$156,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,379
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,140
−HK$772/mo
Today · 4.125%
HK$29,912
baseline
▲ 0.50% · 4.625%
HK$31,489
+HK$1,577/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$59,824/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$156,498 · 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).