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$14,552
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,005
−HK$460/mo
Today · 4.125%
HK$15,465
baseline
▲ 0.50% · 4.625%
HK$16,406
+HK$941/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,930/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$173,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,189
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,623
−HK$441/mo
Today · 4.125%
HK$17,064
baseline
▲ 0.50% · 4.625%
HK$17,963
+HK$899/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,128/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$173,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,463
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,006
−HK$552/mo
Today · 4.125%
HK$18,558
baseline
▲ 0.50% · 4.625%
HK$19,687
+HK$1,129/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,116/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,427
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,948
−HK$529/mo
Today · 4.125%
HK$20,477
baseline
▲ 0.50% · 4.625%
HK$21,556
+HK$1,079/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,954/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,373
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,007
−HK$644/mo
Today · 4.125%
HK$21,651
baseline
▲ 0.50% · 4.625%
HK$22,968
+HK$1,317/mo
Deposit HK$1.91M · loan HK$4.47M · min. income ≈ HK$43,302/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,665
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,273
−HK$616/mo
Today · 4.125%
HK$23,889
baseline
▲ 0.50% · 4.625%
HK$25,149
+HK$1,260/mo
Deposit HK$1.91M · loan HK$4.47M · min. income ≈ HK$47,778/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,194
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,009
−HK$827/mo
Today · 4.125%
HK$27,836
baseline
▲ 0.50% · 4.625%
HK$29,530
+HK$1,694/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$55,672/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$173,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,140
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,922
−HK$793/mo
Today · 4.125%
HK$30,715
baseline
▲ 0.50% · 4.625%
HK$32,334
+HK$1,619/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$61,430/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$173,181 · 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).