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$13,796
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,225
−HK$436/mo
Today · 4.125%
HK$14,661
baseline
▲ 0.50% · 4.625%
HK$15,553
+HK$892/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,322/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,348
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,760
−HK$417/mo
Today · 4.125%
HK$16,177
baseline
▲ 0.50% · 4.625%
HK$17,030
+HK$853/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,354/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,555
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,070
−HK$524/mo
Today · 4.125%
HK$17,594
baseline
▲ 0.50% · 4.625%
HK$18,664
+HK$1,070/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,188/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,418
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,912
−HK$501/mo
Today · 4.125%
HK$19,413
baseline
▲ 0.50% · 4.625%
HK$20,436
+HK$1,023/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,826/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,315
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,915
−HK$611/mo
Today · 4.125%
HK$20,526
baseline
▲ 0.50% · 4.625%
HK$21,775
+HK$1,249/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,052/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,487
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,064
−HK$584/mo
Today · 4.125%
HK$22,648
baseline
▲ 0.50% · 4.625%
HK$23,842
+HK$1,194/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,296/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,833
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,605
−HK$785/mo
Today · 4.125%
HK$26,390
baseline
▲ 0.50% · 4.625%
HK$27,996
+HK$1,606/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$52,780/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$140,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,626
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,367
−HK$752/mo
Today · 4.125%
HK$29,119
baseline
▲ 0.50% · 4.625%
HK$30,654
+HK$1,535/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$58,238/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$140,025 · 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).