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$15,589
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,074
−HK$492/mo
Today · 4.125%
HK$16,566
baseline
▲ 0.50% · 4.625%
HK$17,574
+HK$1,008/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$33,132/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,342
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,807
−HK$472/mo
Today · 4.125%
HK$18,279
baseline
▲ 0.50% · 4.625%
HK$19,243
+HK$964/mo
Deposit HK$3.42M · loan HK$3.42M · min. income ≈ HK$36,558/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$205,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,707
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,288
−HK$592/mo
Today · 4.125%
HK$19,880
baseline
▲ 0.50% · 4.625%
HK$21,089
+HK$1,209/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$39,760/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,811
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,369
−HK$566/mo
Today · 4.125%
HK$21,935
baseline
▲ 0.50% · 4.625%
HK$23,091
+HK$1,156/mo
Deposit HK$2.73M · loan HK$4.10M · min. income ≈ HK$43,870/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$205,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,824
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$22,503
−HK$690/mo
Today · 4.125%
HK$23,193
baseline
▲ 0.50% · 4.625%
HK$24,604
+HK$1,411/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$46,386/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,279
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,930
−HK$661/mo
Today · 4.125%
HK$25,591
baseline
▲ 0.50% · 4.625%
HK$26,940
+HK$1,349/mo
Deposit HK$2.05M · loan HK$4.79M · min. income ≈ HK$51,182/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,060
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,933
−HK$886/mo
Today · 4.125%
HK$29,819
baseline
▲ 0.50% · 4.625%
HK$31,634
+HK$1,815/mo
Deposit HK$684K · loan HK$6.15M · min. income ≈ HK$59,638/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,216
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,053
−HK$850/mo
Today · 4.125%
HK$32,903
baseline
▲ 0.50% · 4.625%
HK$34,637
+HK$1,734/mo
Deposit HK$684K · loan HK$6.15M · min. income ≈ HK$65,806/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$205,093 · 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).