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$14,511
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,963
−HK$458/mo
Today · 4.125%
HK$15,421
baseline
▲ 0.50% · 4.625%
HK$16,359
+HK$938/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,842/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,144
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,576
−HK$440/mo
Today · 4.125%
HK$17,016
baseline
▲ 0.50% · 4.625%
HK$17,913
+HK$897/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$34,032/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$171,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,413
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,955
−HK$550/mo
Today · 4.125%
HK$18,505
baseline
▲ 0.50% · 4.625%
HK$19,631
+HK$1,126/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,010/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,372
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,892
−HK$527/mo
Today · 4.125%
HK$20,419
baseline
▲ 0.50% · 4.625%
HK$21,495
+HK$1,076/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,838/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$171,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,316
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,948
−HK$642/mo
Today · 4.125%
HK$21,590
baseline
▲ 0.50% · 4.625%
HK$22,903
+HK$1,313/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,180/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,601
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,207
−HK$615/mo
Today · 4.125%
HK$23,822
baseline
▲ 0.50% · 4.625%
HK$25,078
+HK$1,256/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,644/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$171,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,120
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,933
−HK$825/mo
Today · 4.125%
HK$27,758
baseline
▲ 0.50% · 4.625%
HK$29,447
+HK$1,689/mo
Deposit HK$636K · loan HK$5.73M · min. income ≈ HK$55,516/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,058
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,838
−HK$790/mo
Today · 4.125%
HK$30,628
baseline
▲ 0.50% · 4.625%
HK$32,243
+HK$1,615/mo
Deposit HK$636K · loan HK$5.73M · min. income ≈ HK$61,256/mo (50% DSR)
Upfront cash ≈ HK$808K (deposit + AVD stamp duty HK$171,383 · 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).