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$15,435
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,915
−HK$488/mo
Today · 4.125%
HK$16,403
baseline
▲ 0.50% · 4.625%
HK$17,401
+HK$998/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,806/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,172
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,632
−HK$467/mo
Today · 4.125%
HK$18,099
baseline
▲ 0.50% · 4.625%
HK$19,053
+HK$954/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,198/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,522
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,099
−HK$585/mo
Today · 4.125%
HK$19,684
baseline
▲ 0.50% · 4.625%
HK$20,882
+HK$1,198/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$39,368/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,606
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,159
−HK$560/mo
Today · 4.125%
HK$21,719
baseline
▲ 0.50% · 4.625%
HK$22,864
+HK$1,145/mo
Deposit HK$2.71M · loan HK$4.06M · min. income ≈ HK$43,438/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,609
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,282
−HK$683/mo
Today · 4.125%
HK$22,965
baseline
▲ 0.50% · 4.625%
HK$24,362
+HK$1,397/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,930/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,040
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,685
−HK$654/mo
Today · 4.125%
HK$25,339
baseline
▲ 0.50% · 4.625%
HK$26,675
+HK$1,336/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,678/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$203,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,784
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,648
−HK$878/mo
Today · 4.125%
HK$29,526
baseline
▲ 0.50% · 4.625%
HK$31,322
+HK$1,796/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$59,052/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,909
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,738
−HK$841/mo
Today · 4.125%
HK$32,579
baseline
▲ 0.50% · 4.625%
HK$34,296
+HK$1,717/mo
Deposit HK$677K · loan HK$6.09M · min. income ≈ HK$65,158/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$203,074 · 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).