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$15,219
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,692
−HK$481/mo
Today · 4.125%
HK$16,173
baseline
▲ 0.50% · 4.625%
HK$17,157
+HK$984/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,346/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,931
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,385
−HK$460/mo
Today · 4.125%
HK$17,845
baseline
▲ 0.50% · 4.625%
HK$18,786
+HK$941/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,690/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,262
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,830
−HK$578/mo
Today · 4.125%
HK$19,408
baseline
▲ 0.50% · 4.625%
HK$20,588
+HK$1,180/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,816/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,317
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,862
−HK$552/mo
Today · 4.125%
HK$21,414
baseline
▲ 0.50% · 4.625%
HK$22,543
+HK$1,129/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,828/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,306
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,969
−HK$673/mo
Today · 4.125%
HK$22,642
baseline
▲ 0.50% · 4.625%
HK$24,020
+HK$1,378/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,284/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,703
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,338
−HK$645/mo
Today · 4.125%
HK$24,983
baseline
▲ 0.50% · 4.625%
HK$26,300
+HK$1,317/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,966/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,394
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,246
−HK$865/mo
Today · 4.125%
HK$29,111
baseline
▲ 0.50% · 4.625%
HK$30,883
+HK$1,772/mo
Deposit HK$667K · loan HK$6.01M · min. income ≈ HK$58,222/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,475
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,292
−HK$829/mo
Today · 4.125%
HK$32,121
baseline
▲ 0.50% · 4.625%
HK$33,815
+HK$1,694/mo
Deposit HK$667K · loan HK$6.01M · min. income ≈ HK$64,242/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$200,223 · 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).