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$15,676
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,163
−HK$496/mo
Today · 4.125%
HK$16,659
baseline
▲ 0.50% · 4.625%
HK$17,672
+HK$1,013/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,318/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,439
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,907
−HK$474/mo
Today · 4.125%
HK$18,381
baseline
▲ 0.50% · 4.625%
HK$19,350
+HK$969/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,762/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,811
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,396
−HK$594/mo
Today · 4.125%
HK$19,990
baseline
▲ 0.50% · 4.625%
HK$21,207
+HK$1,217/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,980/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,927
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,488
−HK$569/mo
Today · 4.125%
HK$22,057
baseline
▲ 0.50% · 4.625%
HK$23,220
+HK$1,163/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,114/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,946
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,629
−HK$693/mo
Today · 4.125%
HK$23,322
baseline
▲ 0.50% · 4.625%
HK$24,741
+HK$1,419/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,644/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,415
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,069
−HK$665/mo
Today · 4.125%
HK$25,734
baseline
▲ 0.50% · 4.625%
HK$27,090
+HK$1,356/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,468/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,216
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,094
−HK$892/mo
Today · 4.125%
HK$29,986
baseline
▲ 0.50% · 4.625%
HK$31,810
+HK$1,824/mo
Deposit HK$687K · loan HK$6.19M · min. income ≈ HK$59,972/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,390
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,232
−HK$854/mo
Today · 4.125%
HK$33,086
baseline
▲ 0.50% · 4.625%
HK$34,830
+HK$1,744/mo
Deposit HK$687K · loan HK$6.19M · min. income ≈ HK$66,172/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,236 · 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).