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$14,760
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,219
−HK$466/mo
Today · 4.125%
HK$15,685
baseline
▲ 0.50% · 4.625%
HK$16,640
+HK$955/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,370/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,420
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,861
−HK$446/mo
Today · 4.125%
HK$17,307
baseline
▲ 0.50% · 4.625%
HK$18,220
+HK$913/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,614/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,712
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,263
−HK$559/mo
Today · 4.125%
HK$18,822
baseline
▲ 0.50% · 4.625%
HK$19,968
+HK$1,146/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,644/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,704
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,233
−HK$536/mo
Today · 4.125%
HK$20,769
baseline
▲ 0.50% · 4.625%
HK$21,863
+HK$1,094/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,538/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,664
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,306
−HK$654/mo
Today · 4.125%
HK$21,960
baseline
▲ 0.50% · 4.625%
HK$23,296
+HK$1,336/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,920/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$182,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,988
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,605
−HK$625/mo
Today · 4.125%
HK$24,230
baseline
▲ 0.50% · 4.625%
HK$25,507
+HK$1,277/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,460/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$182,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,568
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,394
−HK$840/mo
Today · 4.125%
HK$28,234
baseline
▲ 0.50% · 4.625%
HK$29,952
+HK$1,718/mo
Deposit HK$647K · loan HK$5.83M · min. income ≈ HK$56,468/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,556
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,349
−HK$804/mo
Today · 4.125%
HK$31,153
baseline
▲ 0.50% · 4.625%
HK$32,795
+HK$1,642/mo
Deposit HK$647K · loan HK$5.83M · min. income ≈ HK$62,306/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$182,288 · 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).