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$14,394
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,841
−HK$455/mo
Today · 4.125%
HK$15,296
baseline
▲ 0.50% · 4.625%
HK$16,227
+HK$931/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,592/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,013
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,442
−HK$436/mo
Today · 4.125%
HK$16,878
baseline
▲ 0.50% · 4.625%
HK$17,767
+HK$889/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,756/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,272
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,810
−HK$545/mo
Today · 4.125%
HK$18,355
baseline
▲ 0.50% · 4.625%
HK$19,472
+HK$1,117/mo
Deposit HK$2.52M · loan HK$3.79M · min. income ≈ HK$36,710/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,215
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,731
−HK$522/mo
Today · 4.125%
HK$20,253
baseline
▲ 0.50% · 4.625%
HK$21,321
+HK$1,068/mo
Deposit HK$2.52M · loan HK$3.79M · min. income ≈ HK$40,506/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,151
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,778
−HK$637/mo
Today · 4.125%
HK$21,415
baseline
▲ 0.50% · 4.625%
HK$22,718
+HK$1,303/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$42,830/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,418
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,019
−HK$610/mo
Today · 4.125%
HK$23,629
baseline
▲ 0.50% · 4.625%
HK$24,874
+HK$1,245/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$47,258/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,908
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,714
−HK$819/mo
Today · 4.125%
HK$27,533
baseline
▲ 0.50% · 4.625%
HK$29,208
+HK$1,675/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$55,066/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$166,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,823
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,596
−HK$784/mo
Today · 4.125%
HK$30,380
baseline
▲ 0.50% · 4.625%
HK$31,981
+HK$1,601/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$60,760/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$166,227 · 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).