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$15,295
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,770
−HK$484/mo
Today · 4.125%
HK$16,254
baseline
▲ 0.50% · 4.625%
HK$17,243
+HK$989/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,508/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,015
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,471
−HK$463/mo
Today · 4.125%
HK$17,934
baseline
▲ 0.50% · 4.625%
HK$18,880
+HK$946/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,868/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,354
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,924
−HK$580/mo
Today · 4.125%
HK$19,504
baseline
▲ 0.50% · 4.625%
HK$20,691
+HK$1,187/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$39,008/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,418
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,966
−HK$555/mo
Today · 4.125%
HK$21,521
baseline
▲ 0.50% · 4.625%
HK$22,656
+HK$1,135/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$43,042/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,412
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,079
−HK$676/mo
Today · 4.125%
HK$22,755
baseline
▲ 0.50% · 4.625%
HK$24,140
+HK$1,385/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$45,510/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,821
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,460
−HK$648/mo
Today · 4.125%
HK$25,108
baseline
▲ 0.50% · 4.625%
HK$26,432
+HK$1,324/mo
Deposit HK$2.01M · loan HK$4.70M · min. income ≈ HK$50,216/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,530
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,387
−HK$870/mo
Today · 4.125%
HK$29,257
baseline
▲ 0.50% · 4.625%
HK$31,037
+HK$1,780/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,514/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,627
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,449
−HK$833/mo
Today · 4.125%
HK$32,282
baseline
▲ 0.50% · 4.625%
HK$33,984
+HK$1,702/mo
Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$64,564/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,223 · 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).