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$15,845
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,338
−HK$501/mo
Today · 4.125%
HK$16,839
baseline
▲ 0.50% · 4.625%
HK$17,864
+HK$1,025/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,678/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,628
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,101
−HK$479/mo
Today · 4.125%
HK$18,580
baseline
▲ 0.50% · 4.625%
HK$19,560
+HK$980/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,160/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,014
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,606
−HK$601/mo
Today · 4.125%
HK$20,207
baseline
▲ 0.50% · 4.625%
HK$21,436
+HK$1,229/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$40,414/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,153
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,721
−HK$575/mo
Today · 4.125%
HK$22,296
baseline
▲ 0.50% · 4.625%
HK$23,471
+HK$1,175/mo
Deposit HK$2.78M · loan HK$4.17M · min. income ≈ HK$44,592/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$208,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,183
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,873
−HK$702/mo
Today · 4.125%
HK$23,575
baseline
▲ 0.50% · 4.625%
HK$25,009
+HK$1,434/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,150/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,679
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,341
−HK$671/mo
Today · 4.125%
HK$26,012
baseline
▲ 0.50% · 4.625%
HK$27,383
+HK$1,371/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$52,024/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,522
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,409
−HK$901/mo
Today · 4.125%
HK$30,310
baseline
▲ 0.50% · 4.625%
HK$32,154
+HK$1,844/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$60,620/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,730
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,581
−HK$863/mo
Today · 4.125%
HK$33,444
baseline
▲ 0.50% · 4.625%
HK$35,207
+HK$1,763/mo
Deposit HK$695K · loan HK$6.25M · min. income ≈ HK$66,888/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$208,468 · 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).