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$15,659
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,146
−HK$495/mo
Today · 4.125%
HK$16,641
baseline
▲ 0.50% · 4.625%
HK$17,654
+HK$1,013/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,282/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,421
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,888
−HK$474/mo
Today · 4.125%
HK$18,362
baseline
▲ 0.50% · 4.625%
HK$19,330
+HK$968/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,724/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,791
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,375
−HK$594/mo
Today · 4.125%
HK$19,969
baseline
▲ 0.50% · 4.625%
HK$21,184
+HK$1,215/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,938/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$206,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,905
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,465
−HK$569/mo
Today · 4.125%
HK$22,034
baseline
▲ 0.50% · 4.625%
HK$23,195
+HK$1,161/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,068/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$206,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,923
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,605
−HK$692/mo
Today · 4.125%
HK$23,297
baseline
▲ 0.50% · 4.625%
HK$24,715
+HK$1,418/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,594/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,389
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,043
−HK$663/mo
Today · 4.125%
HK$25,706
baseline
▲ 0.50% · 4.625%
HK$27,061
+HK$1,355/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,412/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,186
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,063
−HK$891/mo
Today · 4.125%
HK$29,954
baseline
▲ 0.50% · 4.625%
HK$31,776
+HK$1,822/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$59,908/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,357
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,198
−HK$853/mo
Today · 4.125%
HK$33,051
baseline
▲ 0.50% · 4.625%
HK$34,793
+HK$1,742/mo
Deposit HK$687K · loan HK$6.18M · min. income ≈ HK$66,102/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$206,017 · 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).