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$14,599
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,053
−HK$461/mo
Today · 4.125%
HK$15,514
baseline
▲ 0.50% · 4.625%
HK$16,458
+HK$944/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,028/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,241
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,677
−HK$441/mo
Today · 4.125%
HK$17,118
baseline
▲ 0.50% · 4.625%
HK$18,021
+HK$903/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,236/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,518
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,063
−HK$554/mo
Today · 4.125%
HK$18,617
baseline
▲ 0.50% · 4.625%
HK$19,750
+HK$1,133/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,234/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,489
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,012
−HK$530/mo
Today · 4.125%
HK$20,542
baseline
▲ 0.50% · 4.625%
HK$21,625
+HK$1,083/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,084/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,438
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,074
−HK$646/mo
Today · 4.125%
HK$21,720
baseline
▲ 0.50% · 4.625%
HK$23,041
+HK$1,321/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,440/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,737
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,347
−HK$619/mo
Today · 4.125%
HK$23,966
baseline
▲ 0.50% · 4.625%
HK$25,229
+HK$1,263/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,932/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,278
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,095
−HK$831/mo
Today · 4.125%
HK$27,926
baseline
▲ 0.50% · 4.625%
HK$29,625
+HK$1,699/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$55,852/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$175,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,234
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,018
−HK$795/mo
Today · 4.125%
HK$30,813
baseline
▲ 0.50% · 4.625%
HK$32,437
+HK$1,624/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$61,626/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$175,223 · 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).