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$14,720
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,178
−HK$465/mo
Today · 4.125%
HK$15,643
baseline
▲ 0.50% · 4.625%
HK$16,595
+HK$952/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,286/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,376
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,815
−HK$446/mo
Today · 4.125%
HK$17,261
baseline
▲ 0.50% · 4.625%
HK$18,171
+HK$910/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,522/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$180,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,664
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,214
−HK$558/mo
Today · 4.125%
HK$18,772
baseline
▲ 0.50% · 4.625%
HK$19,914
+HK$1,142/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,544/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,651
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,178
−HK$535/mo
Today · 4.125%
HK$20,713
baseline
▲ 0.50% · 4.625%
HK$21,805
+HK$1,092/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,426/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$180,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,608
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,249
−HK$652/mo
Today · 4.125%
HK$21,901
baseline
▲ 0.50% · 4.625%
HK$23,233
+HK$1,332/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$43,802/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,927
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,541
−HK$624/mo
Today · 4.125%
HK$24,165
baseline
▲ 0.50% · 4.625%
HK$25,439
+HK$1,274/mo
Deposit HK$1.94M · loan HK$4.52M · min. income ≈ HK$48,330/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$180,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,496
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,321
−HK$837/mo
Today · 4.125%
HK$28,158
baseline
▲ 0.50% · 4.625%
HK$29,871
+HK$1,713/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$56,316/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,477
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,268
−HK$802/mo
Today · 4.125%
HK$31,070
baseline
▲ 0.50% · 4.625%
HK$32,707
+HK$1,637/mo
Deposit HK$646K · loan HK$5.81M · min. income ≈ HK$62,140/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$180,551 · 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).