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$14,639
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,094
−HK$462/mo
Today · 4.125%
HK$15,556
baseline
▲ 0.50% · 4.625%
HK$16,503
+HK$947/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,112/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$176,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,285
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,722
−HK$443/mo
Today · 4.125%
HK$17,165
baseline
▲ 0.50% · 4.625%
HK$18,070
+HK$905/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,330/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$176,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,566
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,113
−HK$555/mo
Today · 4.125%
HK$18,668
baseline
▲ 0.50% · 4.625%
HK$19,804
+HK$1,136/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,336/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,542
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,066
−HK$532/mo
Today · 4.125%
HK$20,598
baseline
▲ 0.50% · 4.625%
HK$21,684
+HK$1,086/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,196/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,494
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,131
−HK$648/mo
Today · 4.125%
HK$21,779
baseline
▲ 0.50% · 4.625%
HK$23,104
+HK$1,325/mo
Deposit HK$1.93M · loan HK$4.49M · min. income ≈ HK$43,558/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,799
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,411
−HK$620/mo
Today · 4.125%
HK$24,031
baseline
▲ 0.50% · 4.625%
HK$25,298
+HK$1,267/mo
Deposit HK$1.93M · loan HK$4.49M · min. income ≈ HK$48,062/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,349
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,169
−HK$833/mo
Today · 4.125%
HK$28,002
baseline
▲ 0.50% · 4.625%
HK$29,706
+HK$1,704/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$56,004/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$176,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,313
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,100
−HK$797/mo
Today · 4.125%
HK$30,897
baseline
▲ 0.50% · 4.625%
HK$32,526
+HK$1,629/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$61,794/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$176,968 · 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).