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$15,451
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,932
−HK$488/mo
Today · 4.125%
HK$16,420
baseline
▲ 0.50% · 4.625%
HK$17,419
+HK$999/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,840/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,189
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,650
−HK$468/mo
Today · 4.125%
HK$18,118
baseline
▲ 0.50% · 4.625%
HK$19,073
+HK$955/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,236/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,541
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,118
−HK$586/mo
Today · 4.125%
HK$19,704
baseline
▲ 0.50% · 4.625%
HK$20,903
+HK$1,199/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,408/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,627
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,180
−HK$562/mo
Today · 4.125%
HK$21,742
baseline
▲ 0.50% · 4.625%
HK$22,888
+HK$1,146/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,484/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,632
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,305
−HK$683/mo
Today · 4.125%
HK$22,988
baseline
▲ 0.50% · 4.625%
HK$24,387
+HK$1,399/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,976/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,065
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,711
−HK$654/mo
Today · 4.125%
HK$25,365
baseline
▲ 0.50% · 4.625%
HK$26,702
+HK$1,337/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,730/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,812
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,677
−HK$879/mo
Today · 4.125%
HK$29,556
baseline
▲ 0.50% · 4.625%
HK$31,355
+HK$1,799/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$59,112/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,941
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,771
−HK$841/mo
Today · 4.125%
HK$32,612
baseline
▲ 0.50% · 4.625%
HK$34,332
+HK$1,720/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$65,224/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,283 · 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).