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$14,121
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,560
−HK$446/mo
Today · 4.125%
HK$15,006
baseline
▲ 0.50% · 4.625%
HK$15,920
+HK$914/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,012/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,709
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,131
−HK$427/mo
Today · 4.125%
HK$16,558
baseline
▲ 0.50% · 4.625%
HK$17,431
+HK$873/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,116/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,945
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,472
−HK$536/mo
Today · 4.125%
HK$18,008
baseline
▲ 0.50% · 4.625%
HK$19,103
+HK$1,095/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,016/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,851
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,357
−HK$513/mo
Today · 4.125%
HK$19,870
baseline
▲ 0.50% · 4.625%
HK$20,917
+HK$1,047/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,740/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,769
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,384
−HK$625/mo
Today · 4.125%
HK$21,009
baseline
▲ 0.50% · 4.625%
HK$22,287
+HK$1,278/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$42,018/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,993
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,583
−HK$598/mo
Today · 4.125%
HK$23,181
baseline
▲ 0.50% · 4.625%
HK$24,403
+HK$1,222/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,362/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,418
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,208
−HK$804/mo
Today · 4.125%
HK$27,012
baseline
▲ 0.50% · 4.625%
HK$28,655
+HK$1,643/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$54,024/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,277
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,035
−HK$770/mo
Today · 4.125%
HK$29,805
baseline
▲ 0.50% · 4.625%
HK$31,376
+HK$1,571/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$59,610/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,270 · 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).