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$15,147
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,618
−HK$479/mo
Today · 4.125%
HK$16,097
baseline
▲ 0.50% · 4.625%
HK$17,076
+HK$979/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,194/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,851
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,302
−HK$459/mo
Today · 4.125%
HK$17,761
baseline
▲ 0.50% · 4.625%
HK$18,697
+HK$936/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,522/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,176
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,741
−HK$575/mo
Today · 4.125%
HK$19,316
baseline
▲ 0.50% · 4.625%
HK$20,491
+HK$1,175/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,632/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,221
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,763
−HK$550/mo
Today · 4.125%
HK$21,313
baseline
▲ 0.50% · 4.625%
HK$22,437
+HK$1,124/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,626/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,205
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,865
−HK$670/mo
Today · 4.125%
HK$22,535
baseline
▲ 0.50% · 4.625%
HK$23,906
+HK$1,371/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,070/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,591
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,223
−HK$642/mo
Today · 4.125%
HK$24,865
baseline
▲ 0.50% · 4.625%
HK$26,176
+HK$1,311/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,730/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,264
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,112
−HK$862/mo
Today · 4.125%
HK$28,974
baseline
▲ 0.50% · 4.625%
HK$30,737
+HK$1,763/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$57,948/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,331
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,144
−HK$826/mo
Today · 4.125%
HK$31,970
baseline
▲ 0.50% · 4.625%
HK$33,655
+HK$1,685/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$63,940/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,254 · 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).