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$14,984
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,450
−HK$474/mo
Today · 4.125%
HK$15,924
baseline
▲ 0.50% · 4.625%
HK$16,893
+HK$969/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,848/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,670
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,117
−HK$453/mo
Today · 4.125%
HK$17,570
baseline
▲ 0.50% · 4.625%
HK$18,496
+HK$926/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,140/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,981
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,540
−HK$568/mo
Today · 4.125%
HK$19,108
baseline
▲ 0.50% · 4.625%
HK$20,271
+HK$1,163/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,216/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,004
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,540
−HK$544/mo
Today · 4.125%
HK$21,084
baseline
▲ 0.50% · 4.625%
HK$22,196
+HK$1,112/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,168/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,978
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,630
−HK$663/mo
Today · 4.125%
HK$22,293
baseline
▲ 0.50% · 4.625%
HK$23,650
+HK$1,357/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,586/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$192,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,338
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,963
−HK$635/mo
Today · 4.125%
HK$24,598
baseline
▲ 0.50% · 4.625%
HK$25,895
+HK$1,297/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,196/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$192,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,971
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,810
−HK$853/mo
Today · 4.125%
HK$28,663
baseline
▲ 0.50% · 4.625%
HK$30,407
+HK$1,744/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$57,326/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$192,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,005
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,810
−HK$816/mo
Today · 4.125%
HK$31,626
baseline
▲ 0.50% · 4.625%
HK$33,294
+HK$1,668/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$63,252/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$192,124 · 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).