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$15,346
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,823
−HK$485/mo
Today · 4.125%
HK$16,308
baseline
▲ 0.50% · 4.625%
HK$17,301
+HK$993/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,616/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,072
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,530
−HK$465/mo
Today · 4.125%
HK$17,995
baseline
▲ 0.50% · 4.625%
HK$18,943
+HK$948/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,990/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$201,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,415
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,988
−HK$582/mo
Today · 4.125%
HK$19,570
baseline
▲ 0.50% · 4.625%
HK$20,761
+HK$1,191/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,140/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,487
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,036
−HK$558/mo
Today · 4.125%
HK$21,594
baseline
▲ 0.50% · 4.625%
HK$22,732
+HK$1,138/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,188/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,485
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$22,153
−HK$679/mo
Today · 4.125%
HK$22,832
baseline
▲ 0.50% · 4.625%
HK$24,221
+HK$1,389/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,664/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,901
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,542
−HK$651/mo
Today · 4.125%
HK$25,193
baseline
▲ 0.50% · 4.625%
HK$26,521
+HK$1,328/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,386/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,623
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,482
−HK$873/mo
Today · 4.125%
HK$29,355
baseline
▲ 0.50% · 4.625%
HK$31,141
+HK$1,786/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$58,710/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,730
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,554
−HK$837/mo
Today · 4.125%
HK$32,391
baseline
▲ 0.50% · 4.625%
HK$34,098
+HK$1,707/mo
Deposit HK$673K · loan HK$6.06M · min. income ≈ HK$64,782/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$201,900 · 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).