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$15,095
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,565
−HK$477/mo
Today · 4.125%
HK$16,042
baseline
▲ 0.50% · 4.625%
HK$17,018
+HK$976/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,084/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$196,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,793
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,243
−HK$457/mo
Today · 4.125%
HK$17,700
baseline
▲ 0.50% · 4.625%
HK$18,633
+HK$933/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,400/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$196,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,114
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,678
−HK$572/mo
Today · 4.125%
HK$19,250
baseline
▲ 0.50% · 4.625%
HK$20,421
+HK$1,171/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,500/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,152
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,692
−HK$548/mo
Today · 4.125%
HK$21,240
baseline
▲ 0.50% · 4.625%
HK$22,360
+HK$1,120/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,480/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,133
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,790
−HK$668/mo
Today · 4.125%
HK$22,458
baseline
▲ 0.50% · 4.625%
HK$23,825
+HK$1,367/mo
Deposit HK$1.99M · loan HK$4.63M · min. income ≈ HK$44,916/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,510
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,141
−HK$640/mo
Today · 4.125%
HK$24,781
baseline
▲ 0.50% · 4.625%
HK$26,087
+HK$1,306/mo
Deposit HK$1.99M · loan HK$4.63M · min. income ≈ HK$49,562/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,171
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,016
−HK$859/mo
Today · 4.125%
HK$28,875
baseline
▲ 0.50% · 4.625%
HK$30,632
+HK$1,757/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$57,750/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$196,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,228
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,038
−HK$823/mo
Today · 4.125%
HK$31,861
baseline
▲ 0.50% · 4.625%
HK$33,540
+HK$1,679/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$63,722/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$196,990 · 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).