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$14,018
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,454
−HK$443/mo
Today · 4.125%
HK$14,897
baseline
▲ 0.50% · 4.625%
HK$15,803
+HK$906/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,794/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,594
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,013
−HK$424/mo
Today · 4.125%
HK$16,437
baseline
▲ 0.50% · 4.625%
HK$17,303
+HK$866/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,874/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,821
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,344
−HK$532/mo
Today · 4.125%
HK$17,876
baseline
▲ 0.50% · 4.625%
HK$18,964
+HK$1,088/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,752/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,713
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,215
−HK$509/mo
Today · 4.125%
HK$19,724
baseline
▲ 0.50% · 4.625%
HK$20,764
+HK$1,040/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,448/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,625
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,235
−HK$620/mo
Today · 4.125%
HK$20,855
baseline
▲ 0.50% · 4.625%
HK$22,124
+HK$1,269/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,710/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,832
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,418
−HK$594/mo
Today · 4.125%
HK$23,012
baseline
▲ 0.50% · 4.625%
HK$24,225
+HK$1,213/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$46,024/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,232
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,017
−HK$797/mo
Today · 4.125%
HK$26,814
baseline
▲ 0.50% · 4.625%
HK$28,446
+HK$1,632/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$53,628/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$149,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,070
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,823
−HK$764/mo
Today · 4.125%
HK$29,587
baseline
▲ 0.50% · 4.625%
HK$31,146
+HK$1,559/mo
Deposit HK$615K · loan HK$5.53M · min. income ≈ HK$59,174/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$149,740 · 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).