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$15,026
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,494
−HK$475/mo
Today · 4.125%
HK$15,969
baseline
▲ 0.50% · 4.625%
HK$16,940
+HK$971/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,938/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,717
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,165
−HK$455/mo
Today · 4.125%
HK$17,620
baseline
▲ 0.50% · 4.625%
HK$18,549
+HK$929/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,240/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$193,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,032
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,593
−HK$569/mo
Today · 4.125%
HK$19,162
baseline
▲ 0.50% · 4.625%
HK$20,328
+HK$1,166/mo
Deposit HK$2.64M · loan HK$3.95M · min. income ≈ HK$38,324/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,060
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,598
−HK$546/mo
Today · 4.125%
HK$21,144
baseline
▲ 0.50% · 4.625%
HK$22,258
+HK$1,114/mo
Deposit HK$2.64M · loan HK$3.95M · min. income ≈ HK$42,288/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$193,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,037
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,691
−HK$665/mo
Today · 4.125%
HK$22,356
baseline
▲ 0.50% · 4.625%
HK$23,717
+HK$1,361/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$44,712/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,403
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,031
−HK$637/mo
Today · 4.125%
HK$24,668
baseline
▲ 0.50% · 4.625%
HK$25,968
+HK$1,300/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$49,336/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$193,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,048
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,889
−HK$855/mo
Today · 4.125%
HK$28,744
baseline
▲ 0.50% · 4.625%
HK$30,493
+HK$1,749/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,488/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$193,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,090
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,897
−HK$819/mo
Today · 4.125%
HK$31,716
baseline
▲ 0.50% · 4.625%
HK$33,388
+HK$1,672/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,432/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$193,979 · 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).