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$14,560
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,013
−HK$460/mo
Today · 4.125%
HK$15,473
baseline
▲ 0.50% · 4.625%
HK$16,415
+HK$942/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,946/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,198
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,632
−HK$441/mo
Today · 4.125%
HK$17,073
baseline
▲ 0.50% · 4.625%
HK$17,973
+HK$900/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,146/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,472
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,016
−HK$552/mo
Today · 4.125%
HK$18,568
baseline
▲ 0.50% · 4.625%
HK$19,697
+HK$1,129/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,136/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,437
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,959
−HK$529/mo
Today · 4.125%
HK$20,488
baseline
▲ 0.50% · 4.625%
HK$21,568
+HK$1,080/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,976/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,384
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,018
−HK$644/mo
Today · 4.125%
HK$21,662
baseline
▲ 0.50% · 4.625%
HK$22,980
+HK$1,318/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,324/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,677
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,285
−HK$617/mo
Today · 4.125%
HK$23,902
baseline
▲ 0.50% · 4.625%
HK$25,162
+HK$1,260/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,804/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,208
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,023
−HK$829/mo
Today · 4.125%
HK$27,852
baseline
▲ 0.50% · 4.625%
HK$29,546
+HK$1,694/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,704/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$173,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,156
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,938
−HK$793/mo
Today · 4.125%
HK$30,731
baseline
▲ 0.50% · 4.625%
HK$32,351
+HK$1,620/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,462/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$173,527 · 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).