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$15,269
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,744
−HK$483/mo
Today · 4.125%
HK$16,227
baseline
▲ 0.50% · 4.625%
HK$17,214
+HK$987/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,454/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,987
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,443
−HK$462/mo
Today · 4.125%
HK$17,905
baseline
▲ 0.50% · 4.625%
HK$18,849
+HK$944/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,810/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,323
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,893
−HK$579/mo
Today · 4.125%
HK$19,472
baseline
▲ 0.50% · 4.625%
HK$20,657
+HK$1,185/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,944/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,384
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,931
−HK$555/mo
Today · 4.125%
HK$21,486
baseline
▲ 0.50% · 4.625%
HK$22,618
+HK$1,132/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$42,972/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,377
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,042
−HK$676/mo
Today · 4.125%
HK$22,718
baseline
▲ 0.50% · 4.625%
HK$24,100
+HK$1,382/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,436/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,782
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,420
−HK$647/mo
Today · 4.125%
HK$25,067
baseline
▲ 0.50% · 4.625%
HK$26,388
+HK$1,321/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,134/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,485
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,340
−HK$869/mo
Today · 4.125%
HK$29,209
baseline
▲ 0.50% · 4.625%
HK$30,986
+HK$1,777/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$58,418/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$200,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,577
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,397
−HK$832/mo
Today · 4.125%
HK$32,229
baseline
▲ 0.50% · 4.625%
HK$33,928
+HK$1,699/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$64,458/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$200,891 · 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).