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$15,041
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,509
−HK$476/mo
Today · 4.125%
HK$15,985
baseline
▲ 0.50% · 4.625%
HK$16,957
+HK$972/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,970/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,733
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,182
−HK$456/mo
Today · 4.125%
HK$17,638
baseline
▲ 0.50% · 4.625%
HK$18,567
+HK$929/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,276/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,050
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,611
−HK$571/mo
Today · 4.125%
HK$19,182
baseline
▲ 0.50% · 4.625%
HK$20,349
+HK$1,167/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,364/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,080
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,619
−HK$546/mo
Today · 4.125%
HK$21,165
baseline
▲ 0.50% · 4.625%
HK$22,281
+HK$1,116/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,330/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,058
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,713
−HK$666/mo
Today · 4.125%
HK$22,379
baseline
▲ 0.50% · 4.625%
HK$23,740
+HK$1,361/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,758/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,427
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,055
−HK$638/mo
Today · 4.125%
HK$24,693
baseline
▲ 0.50% · 4.625%
HK$25,994
+HK$1,301/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,386/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,075
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$27,917
−HK$855/mo
Today · 4.125%
HK$28,772
baseline
▲ 0.50% · 4.625%
HK$30,523
+HK$1,751/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,544/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,120
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,928
−HK$820/mo
Today · 4.125%
HK$31,748
baseline
▲ 0.50% · 4.625%
HK$33,421
+HK$1,673/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,496/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$194,639 · 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).