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$15,791
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,282
−HK$500/mo
Today · 4.125%
HK$16,782
baseline
▲ 0.50% · 4.625%
HK$17,803
+HK$1,021/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,564/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,568
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,039
−HK$478/mo
Today · 4.125%
HK$18,517
baseline
▲ 0.50% · 4.625%
HK$19,493
+HK$976/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,034/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,950
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,539
−HK$599/mo
Today · 4.125%
HK$20,138
baseline
▲ 0.50% · 4.625%
HK$21,363
+HK$1,225/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,276/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,081
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,647
−HK$573/mo
Today · 4.125%
HK$22,220
baseline
▲ 0.50% · 4.625%
HK$23,391
+HK$1,171/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,440/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,108
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,795
−HK$699/mo
Today · 4.125%
HK$23,494
baseline
▲ 0.50% · 4.625%
HK$24,924
+HK$1,430/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$46,988/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,595
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,254
−HK$669/mo
Today · 4.125%
HK$25,923
baseline
▲ 0.50% · 4.625%
HK$27,290
+HK$1,367/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,846/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,424
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,308
−HK$899/mo
Today · 4.125%
HK$30,207
baseline
▲ 0.50% · 4.625%
HK$32,045
+HK$1,838/mo
Deposit HK$693K · loan HK$6.23M · min. income ≈ HK$60,414/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,622
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,470
−HK$860/mo
Today · 4.125%
HK$33,330
baseline
▲ 0.50% · 4.625%
HK$35,087
+HK$1,757/mo
Deposit HK$693K · loan HK$6.23M · min. income ≈ HK$66,660/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$207,757 · 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).