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$14,750
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,209
−HK$466/mo
Today · 4.125%
HK$15,675
baseline
▲ 0.50% · 4.625%
HK$16,629
+HK$954/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$31,350/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$181,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,409
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,850
−HK$446/mo
Today · 4.125%
HK$17,296
baseline
▲ 0.50% · 4.625%
HK$18,208
+HK$912/mo
Deposit HK$3.23M · loan HK$3.23M · min. income ≈ HK$34,592/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$181,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,700
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,251
−HK$559/mo
Today · 4.125%
HK$18,810
baseline
▲ 0.50% · 4.625%
HK$19,955
+HK$1,145/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,620/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,691
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,219
−HK$536/mo
Today · 4.125%
HK$20,755
baseline
▲ 0.50% · 4.625%
HK$21,849
+HK$1,094/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,510/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$181,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,650
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,293
−HK$652/mo
Today · 4.125%
HK$21,945
baseline
▲ 0.50% · 4.625%
HK$23,281
+HK$1,336/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,890/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,973
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,589
−HK$625/mo
Today · 4.125%
HK$24,214
baseline
▲ 0.50% · 4.625%
HK$25,491
+HK$1,277/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,428/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$181,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,550
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,376
−HK$839/mo
Today · 4.125%
HK$28,215
baseline
▲ 0.50% · 4.625%
HK$29,932
+HK$1,717/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$56,430/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$181,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,537
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,329
−HK$804/mo
Today · 4.125%
HK$31,133
baseline
▲ 0.50% · 4.625%
HK$32,774
+HK$1,641/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$62,266/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$181,865 · 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).