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$15,758
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,248
−HK$498/mo
Today · 4.125%
HK$16,746
baseline
▲ 0.50% · 4.625%
HK$17,765
+HK$1,019/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,492/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,531
−HK$947/mo
▼ 0.25% · 3.875%
HK$18,001
−HK$477/mo
Today · 4.125%
HK$18,478
baseline
▲ 0.50% · 4.625%
HK$19,452
+HK$974/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$36,956/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,910
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,498
−HK$598/mo
Today · 4.125%
HK$20,096
baseline
▲ 0.50% · 4.625%
HK$21,318
+HK$1,222/mo
Deposit HK$2.76M · loan HK$4.15M · min. income ≈ HK$40,192/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,037
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,601
−HK$572/mo
Today · 4.125%
HK$22,173
baseline
▲ 0.50% · 4.625%
HK$23,342
+HK$1,169/mo
Deposit HK$2.76M · loan HK$4.15M · min. income ≈ HK$44,346/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,061
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,748
−HK$697/mo
Today · 4.125%
HK$23,445
baseline
▲ 0.50% · 4.625%
HK$24,871
+HK$1,426/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$46,890/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,543
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,201
−HK$668/mo
Today · 4.125%
HK$25,869
baseline
▲ 0.50% · 4.625%
HK$27,233
+HK$1,364/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$51,738/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,365
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,247
−HK$896/mo
Today · 4.125%
HK$30,143
baseline
▲ 0.50% · 4.625%
HK$31,978
+HK$1,835/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$60,286/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,555
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,402
−HK$858/mo
Today · 4.125%
HK$33,260
baseline
▲ 0.50% · 4.625%
HK$35,013
+HK$1,753/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$66,520/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,321 · 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).