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$15,329
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,806
−HK$485/mo
Today · 4.125%
HK$16,291
baseline
▲ 0.50% · 4.625%
HK$17,282
+HK$991/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,582/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,054
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,511
−HK$464/mo
Today · 4.125%
HK$17,975
baseline
▲ 0.50% · 4.625%
HK$18,923
+HK$948/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,950/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,395
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,968
−HK$581/mo
Today · 4.125%
HK$19,549
baseline
▲ 0.50% · 4.625%
HK$20,738
+HK$1,189/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,098/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,465
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,014
−HK$556/mo
Today · 4.125%
HK$21,570
baseline
▲ 0.50% · 4.625%
HK$22,707
+HK$1,137/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,140/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,461
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,129
−HK$678/mo
Today · 4.125%
HK$22,807
baseline
▲ 0.50% · 4.625%
HK$24,195
+HK$1,388/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,614/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,875
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,516
−HK$649/mo
Today · 4.125%
HK$25,165
baseline
▲ 0.50% · 4.625%
HK$26,492
+HK$1,327/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,330/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,593
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,451
−HK$872/mo
Today · 4.125%
HK$29,323
baseline
▲ 0.50% · 4.625%
HK$31,108
+HK$1,785/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$58,646/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,697
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,520
−HK$835/mo
Today · 4.125%
HK$32,355
baseline
▲ 0.50% · 4.625%
HK$34,061
+HK$1,706/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$64,710/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,681 · 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).