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$15,332
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,809
−HK$484/mo
Today · 4.125%
HK$16,293
baseline
▲ 0.50% · 4.625%
HK$17,285
+HK$992/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$32,586/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,057
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,514
−HK$464/mo
Today · 4.125%
HK$17,978
baseline
▲ 0.50% · 4.625%
HK$18,926
+HK$948/mo
Deposit HK$3.36M · loan HK$3.36M · min. income ≈ HK$35,956/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$201,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,398
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,971
−HK$581/mo
Today · 4.125%
HK$19,552
baseline
▲ 0.50% · 4.625%
HK$20,742
+HK$1,190/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$39,104/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,468
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,017
−HK$557/mo
Today · 4.125%
HK$21,574
baseline
▲ 0.50% · 4.625%
HK$22,711
+HK$1,137/mo
Deposit HK$2.69M · loan HK$4.03M · min. income ≈ HK$43,148/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$201,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,465
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$22,132
−HK$679/mo
Today · 4.125%
HK$22,811
baseline
▲ 0.50% · 4.625%
HK$24,199
+HK$1,388/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$45,622/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,879
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$24,520
−HK$649/mo
Today · 4.125%
HK$25,169
baseline
▲ 0.50% · 4.625%
HK$26,496
+HK$1,327/mo
Deposit HK$2.02M · loan HK$4.71M · min. income ≈ HK$50,338/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$201,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,597
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,456
−HK$872/mo
Today · 4.125%
HK$29,328
baseline
▲ 0.50% · 4.625%
HK$31,113
+HK$1,785/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$58,656/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,702
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,525
−HK$836/mo
Today · 4.125%
HK$32,361
baseline
▲ 0.50% · 4.625%
HK$34,066
+HK$1,705/mo
Deposit HK$672K · loan HK$6.05M · min. income ≈ HK$64,722/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$201,714 · 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).