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$14,231
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,674
−HK$450/mo
Today · 4.125%
HK$15,124
baseline
▲ 0.50% · 4.625%
HK$16,044
+HK$920/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,248/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,832
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,257
−HK$431/mo
Today · 4.125%
HK$16,688
baseline
▲ 0.50% · 4.625%
HK$17,567
+HK$879/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,376/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,078
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,609
−HK$540/mo
Today · 4.125%
HK$18,149
baseline
▲ 0.50% · 4.625%
HK$19,253
+HK$1,104/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$36,298/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,999
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,508
−HK$517/mo
Today · 4.125%
HK$20,025
baseline
▲ 0.50% · 4.625%
HK$21,081
+HK$1,056/mo
Deposit HK$2.50M · loan HK$3.74M · min. income ≈ HK$40,050/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,924
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,544
−HK$629/mo
Today · 4.125%
HK$21,173
baseline
▲ 0.50% · 4.625%
HK$22,462
+HK$1,289/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,346/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,165
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,760
−HK$603/mo
Today · 4.125%
HK$23,363
baseline
▲ 0.50% · 4.625%
HK$24,594
+HK$1,231/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,726/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,617
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,413
−HK$810/mo
Today · 4.125%
HK$27,223
baseline
▲ 0.50% · 4.625%
HK$28,879
+HK$1,656/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$54,446/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$159,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,498
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,262
−HK$776/mo
Today · 4.125%
HK$30,038
baseline
▲ 0.50% · 4.625%
HK$31,621
+HK$1,583/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$60,076/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$159,116 · 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).