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$15,540
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,023
−HK$491/mo
Today · 4.125%
HK$16,514
baseline
▲ 0.50% · 4.625%
HK$17,519
+HK$1,005/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,028/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,288
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,751
−HK$471/mo
Today · 4.125%
HK$18,222
baseline
▲ 0.50% · 4.625%
HK$19,182
+HK$960/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,444/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,647
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,227
−HK$590/mo
Today · 4.125%
HK$19,817
baseline
▲ 0.50% · 4.625%
HK$21,023
+HK$1,206/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,634/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,745
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,301
−HK$565/mo
Today · 4.125%
HK$21,866
baseline
▲ 0.50% · 4.625%
HK$23,018
+HK$1,152/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,732/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,755
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,432
−HK$688/mo
Today · 4.125%
HK$23,120
baseline
▲ 0.50% · 4.625%
HK$24,526
+HK$1,406/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$46,240/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,203
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,852
−HK$658/mo
Today · 4.125%
HK$25,510
baseline
▲ 0.50% · 4.625%
HK$26,855
+HK$1,345/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$51,020/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,971
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,841
−HK$884/mo
Today · 4.125%
HK$29,725
baseline
▲ 0.50% · 4.625%
HK$31,534
+HK$1,809/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$59,450/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,118
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,952
−HK$847/mo
Today · 4.125%
HK$32,799
baseline
▲ 0.50% · 4.625%
HK$34,528
+HK$1,729/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$65,598/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,445 · 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).