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$14,410
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,859
−HK$455/mo
Today · 4.125%
HK$15,314
baseline
▲ 0.50% · 4.625%
HK$16,246
+HK$932/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,628/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$166,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,031
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,461
−HK$436/mo
Today · 4.125%
HK$16,897
baseline
▲ 0.50% · 4.625%
HK$17,788
+HK$891/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,794/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$166,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,292
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,830
−HK$547/mo
Today · 4.125%
HK$18,377
baseline
▲ 0.50% · 4.625%
HK$19,495
+HK$1,118/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,754/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,238
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,753
−HK$524/mo
Today · 4.125%
HK$20,277
baseline
▲ 0.50% · 4.625%
HK$21,346
+HK$1,069/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,554/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,174
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,802
−HK$637/mo
Today · 4.125%
HK$21,439
baseline
▲ 0.50% · 4.625%
HK$22,744
+HK$1,305/mo
Deposit HK$1.90M · loan HK$4.42M · min. income ≈ HK$42,878/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,444
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,046
−HK$610/mo
Today · 4.125%
HK$23,656
baseline
▲ 0.50% · 4.625%
HK$24,903
+HK$1,247/mo
Deposit HK$1.90M · loan HK$4.42M · min. income ≈ HK$47,312/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,938
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,745
−HK$820/mo
Today · 4.125%
HK$27,565
baseline
▲ 0.50% · 4.625%
HK$29,242
+HK$1,677/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$55,130/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$166,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,856
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,630
−HK$785/mo
Today · 4.125%
HK$30,415
baseline
▲ 0.50% · 4.625%
HK$32,019
+HK$1,604/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$60,830/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$166,959 · 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).