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$14,980
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,446
−HK$473/mo
Today · 4.125%
HK$15,919
baseline
▲ 0.50% · 4.625%
HK$16,888
+HK$969/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,838/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$191,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,665
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,112
−HK$453/mo
Today · 4.125%
HK$17,565
baseline
▲ 0.50% · 4.625%
HK$18,491
+HK$926/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,130/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$191,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,976
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,535
−HK$568/mo
Today · 4.125%
HK$19,103
baseline
▲ 0.50% · 4.625%
HK$20,265
+HK$1,162/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$38,206/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,998
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,534
−HK$544/mo
Today · 4.125%
HK$21,078
baseline
▲ 0.50% · 4.625%
HK$22,189
+HK$1,111/mo
Deposit HK$2.63M · loan HK$3.94M · min. income ≈ HK$42,156/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,972
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,624
−HK$663/mo
Today · 4.125%
HK$22,287
baseline
▲ 0.50% · 4.625%
HK$23,643
+HK$1,356/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,574/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,331
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,957
−HK$634/mo
Today · 4.125%
HK$24,591
baseline
▲ 0.50% · 4.625%
HK$25,888
+HK$1,297/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,182/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,964
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,802
−HK$853/mo
Today · 4.125%
HK$28,655
baseline
▲ 0.50% · 4.625%
HK$30,398
+HK$1,743/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$57,310/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$191,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,997
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,801
−HK$817/mo
Today · 4.125%
HK$31,618
baseline
▲ 0.50% · 4.625%
HK$33,284
+HK$1,666/mo
Deposit HK$657K · loan HK$5.91M · min. income ≈ HK$63,236/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$191,939 · 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).