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$15,394
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,873
−HK$486/mo
Today · 4.125%
HK$16,359
baseline
▲ 0.50% · 4.625%
HK$17,355
+HK$996/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,718/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,126
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,585
−HK$466/mo
Today · 4.125%
HK$18,051
baseline
▲ 0.50% · 4.625%
HK$19,003
+HK$952/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,102/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,473
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,048
−HK$583/mo
Today · 4.125%
HK$19,631
baseline
▲ 0.50% · 4.625%
HK$20,826
+HK$1,195/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,262/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,551
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,102
−HK$559/mo
Today · 4.125%
HK$21,661
baseline
▲ 0.50% · 4.625%
HK$22,803
+HK$1,142/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,322/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,552
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,222
−HK$681/mo
Today · 4.125%
HK$22,903
baseline
▲ 0.50% · 4.625%
HK$24,297
+HK$1,394/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,806/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,976
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,619
−HK$652/mo
Today · 4.125%
HK$25,271
baseline
▲ 0.50% · 4.625%
HK$26,604
+HK$1,333/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,542/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,709
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,571
−HK$876/mo
Today · 4.125%
HK$29,447
baseline
▲ 0.50% · 4.625%
HK$31,239
+HK$1,792/mo
Deposit HK$675K · loan HK$6.08M · min. income ≈ HK$58,894/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,826
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,653
−HK$839/mo
Today · 4.125%
HK$32,492
baseline
▲ 0.50% · 4.625%
HK$34,205
+HK$1,713/mo
Deposit HK$675K · loan HK$6.08M · min. income ≈ HK$64,984/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$202,531 · 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).