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$15,806
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,297
−HK$500/mo
Today · 4.125%
HK$16,797
baseline
▲ 0.50% · 4.625%
HK$17,819
+HK$1,022/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,594/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,584
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,055
−HK$479/mo
Today · 4.125%
HK$18,534
baseline
▲ 0.50% · 4.625%
HK$19,511
+HK$977/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,068/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,967
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,557
−HK$599/mo
Today · 4.125%
HK$20,156
baseline
▲ 0.50% · 4.625%
HK$21,383
+HK$1,227/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,312/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,100
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,666
−HK$574/mo
Today · 4.125%
HK$22,240
baseline
▲ 0.50% · 4.625%
HK$23,413
+HK$1,173/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,480/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,128
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,816
−HK$700/mo
Today · 4.125%
HK$23,516
baseline
▲ 0.50% · 4.625%
HK$24,946
+HK$1,430/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,032/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,617
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,277
−HK$670/mo
Today · 4.125%
HK$25,947
baseline
▲ 0.50% · 4.625%
HK$27,315
+HK$1,368/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,894/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,450
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,335
−HK$899/mo
Today · 4.125%
HK$30,234
baseline
▲ 0.50% · 4.625%
HK$32,074
+HK$1,840/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$60,468/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,651
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,499
−HK$862/mo
Today · 4.125%
HK$33,361
baseline
▲ 0.50% · 4.625%
HK$35,119
+HK$1,758/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$66,722/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,946 · 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).