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$14,217
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,659
−HK$449/mo
Today · 4.125%
HK$15,108
baseline
▲ 0.50% · 4.625%
HK$16,027
+HK$919/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,216/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,816
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,240
−HK$430/mo
Today · 4.125%
HK$16,670
baseline
▲ 0.50% · 4.625%
HK$17,549
+HK$879/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,340/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$158,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,060
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,591
−HK$539/mo
Today · 4.125%
HK$18,130
baseline
▲ 0.50% · 4.625%
HK$19,233
+HK$1,103/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$36,260/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,979
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,488
−HK$516/mo
Today · 4.125%
HK$20,004
baseline
▲ 0.50% · 4.625%
HK$21,059
+HK$1,055/mo
Deposit HK$2.49M · loan HK$3.74M · min. income ≈ HK$40,008/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$158,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,903
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,522
−HK$629/mo
Today · 4.125%
HK$21,151
baseline
▲ 0.50% · 4.625%
HK$22,438
+HK$1,287/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,302/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,142
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,736
−HK$603/mo
Today · 4.125%
HK$23,339
baseline
▲ 0.50% · 4.625%
HK$24,569
+HK$1,230/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,678/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$158,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,590
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,386
−HK$809/mo
Today · 4.125%
HK$27,195
baseline
▲ 0.50% · 4.625%
HK$28,849
+HK$1,654/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$54,390/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,469
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,232
−HK$775/mo
Today · 4.125%
HK$30,007
baseline
▲ 0.50% · 4.625%
HK$31,588
+HK$1,581/mo
Deposit HK$623K · loan HK$5.61M · min. income ≈ HK$60,014/mo (50% DSR)
Upfront cash ≈ HK$782K (deposit + AVD stamp duty HK$158,469 · 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).