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$15,701
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,189
−HK$496/mo
Today · 4.125%
HK$16,685
baseline
▲ 0.50% · 4.625%
HK$17,701
+HK$1,016/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,370/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,467
−HK$944/mo
▼ 0.25% · 3.875%
HK$17,935
−HK$476/mo
Today · 4.125%
HK$18,411
baseline
▲ 0.50% · 4.625%
HK$19,381
+HK$970/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,822/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,841
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,427
−HK$595/mo
Today · 4.125%
HK$20,022
baseline
▲ 0.50% · 4.625%
HK$21,241
+HK$1,219/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$40,044/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,960
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,522
−HK$571/mo
Today · 4.125%
HK$22,093
baseline
▲ 0.50% · 4.625%
HK$23,257
+HK$1,164/mo
Deposit HK$2.75M · loan HK$4.13M · min. income ≈ HK$44,186/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,981
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,665
−HK$694/mo
Today · 4.125%
HK$23,359
baseline
▲ 0.50% · 4.625%
HK$24,781
+HK$1,422/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$46,718/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,454
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,110
−HK$665/mo
Today · 4.125%
HK$25,775
baseline
▲ 0.50% · 4.625%
HK$27,134
+HK$1,359/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$51,550/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,261
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,140
−HK$894/mo
Today · 4.125%
HK$30,034
baseline
▲ 0.50% · 4.625%
HK$31,861
+HK$1,827/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$60,068/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,440
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,284
−HK$855/mo
Today · 4.125%
HK$33,139
baseline
▲ 0.50% · 4.625%
HK$34,886
+HK$1,747/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$66,278/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$206,566 · 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).