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$14,130
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,570
−HK$447/mo
Today · 4.125%
HK$15,017
baseline
▲ 0.50% · 4.625%
HK$15,930
+HK$913/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,034/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,720
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,142
−HK$427/mo
Today · 4.125%
HK$16,569
baseline
▲ 0.50% · 4.625%
HK$17,443
+HK$874/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,138/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,956
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,484
−HK$536/mo
Today · 4.125%
HK$18,020
baseline
▲ 0.50% · 4.625%
HK$19,116
+HK$1,096/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,040/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,864
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,370
−HK$513/mo
Today · 4.125%
HK$19,883
baseline
▲ 0.50% · 4.625%
HK$20,931
+HK$1,048/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,766/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,783
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,398
−HK$625/mo
Today · 4.125%
HK$21,023
baseline
▲ 0.50% · 4.625%
HK$22,302
+HK$1,279/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,046/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,008
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,598
−HK$599/mo
Today · 4.125%
HK$23,197
baseline
▲ 0.50% · 4.625%
HK$24,420
+HK$1,223/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,394/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,435
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,226
−HK$804/mo
Today · 4.125%
HK$27,030
baseline
▲ 0.50% · 4.625%
HK$28,674
+HK$1,644/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,060/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,296
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,055
−HK$770/mo
Today · 4.125%
HK$29,825
baseline
▲ 0.50% · 4.625%
HK$31,397
+HK$1,572/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,650/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,686 · 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).