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$15,237
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,711
−HK$482/mo
Today · 4.125%
HK$16,193
baseline
▲ 0.50% · 4.625%
HK$17,178
+HK$985/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,386/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,952
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,406
−HK$461/mo
Today · 4.125%
HK$17,867
baseline
▲ 0.50% · 4.625%
HK$18,809
+HK$942/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,734/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,285
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,854
−HK$578/mo
Today · 4.125%
HK$19,432
baseline
▲ 0.50% · 4.625%
HK$20,614
+HK$1,182/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$38,864/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,342
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,887
−HK$554/mo
Today · 4.125%
HK$21,441
baseline
▲ 0.50% · 4.625%
HK$22,571
+HK$1,130/mo
Deposit HK$2.67M · loan HK$4.01M · min. income ≈ HK$42,882/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,332
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$21,996
−HK$674/mo
Today · 4.125%
HK$22,670
baseline
▲ 0.50% · 4.625%
HK$24,050
+HK$1,380/mo
Deposit HK$2.00M · loan HK$4.68M · min. income ≈ HK$45,340/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,732
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,369
−HK$645/mo
Today · 4.125%
HK$25,014
baseline
▲ 0.50% · 4.625%
HK$26,333
+HK$1,319/mo
Deposit HK$2.00M · loan HK$4.68M · min. income ≈ HK$50,028/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,427
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,281
−HK$866/mo
Today · 4.125%
HK$29,147
baseline
▲ 0.50% · 4.625%
HK$30,921
+HK$1,774/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$58,294/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,513
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,331
−HK$830/mo
Today · 4.125%
HK$32,161
baseline
▲ 0.50% · 4.625%
HK$33,856
+HK$1,695/mo
Deposit HK$668K · loan HK$6.01M · min. income ≈ HK$64,322/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$200,471 · 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).