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$14,910
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,374
−HK$471/mo
Today · 4.125%
HK$15,845
baseline
▲ 0.50% · 4.625%
HK$16,810
+HK$965/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,690/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,588
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,033
−HK$451/mo
Today · 4.125%
HK$17,484
baseline
▲ 0.50% · 4.625%
HK$18,405
+HK$921/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,968/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$188,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,892
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,449
−HK$565/mo
Today · 4.125%
HK$19,014
baseline
▲ 0.50% · 4.625%
HK$20,171
+HK$1,157/mo
Deposit HK$2.62M · loan HK$3.92M · min. income ≈ HK$38,028/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,905
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,439
−HK$542/mo
Today · 4.125%
HK$20,981
baseline
▲ 0.50% · 4.625%
HK$22,086
+HK$1,105/mo
Deposit HK$2.62M · loan HK$3.92M · min. income ≈ HK$41,962/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,875
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,524
−HK$660/mo
Today · 4.125%
HK$22,184
baseline
▲ 0.50% · 4.625%
HK$23,533
+HK$1,349/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,368/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,223
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,846
−HK$631/mo
Today · 4.125%
HK$24,477
baseline
▲ 0.50% · 4.625%
HK$25,768
+HK$1,291/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$48,954/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,839
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,674
−HK$848/mo
Today · 4.125%
HK$28,522
baseline
▲ 0.50% · 4.625%
HK$30,257
+HK$1,735/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$57,044/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$188,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,858
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,659
−HK$812/mo
Today · 4.125%
HK$31,471
baseline
▲ 0.50% · 4.625%
HK$33,130
+HK$1,659/mo
Deposit HK$654K · loan HK$5.89M · min. income ≈ HK$62,942/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$188,891 · 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).