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$14,994
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,460
−HK$474/mo
Today · 4.125%
HK$15,934
baseline
▲ 0.50% · 4.625%
HK$16,904
+HK$970/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,868/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,680
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,128
−HK$454/mo
Today · 4.125%
HK$17,582
baseline
▲ 0.50% · 4.625%
HK$18,508
+HK$926/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,164/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,993
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,552
−HK$569/mo
Today · 4.125%
HK$19,121
baseline
▲ 0.50% · 4.625%
HK$20,284
+HK$1,163/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,242/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,016
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,553
−HK$545/mo
Today · 4.125%
HK$21,098
baseline
▲ 0.50% · 4.625%
HK$22,210
+HK$1,112/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,196/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,991
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,644
−HK$664/mo
Today · 4.125%
HK$22,308
baseline
▲ 0.50% · 4.625%
HK$23,665
+HK$1,357/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,616/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,353
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,979
−HK$635/mo
Today · 4.125%
HK$24,614
baseline
▲ 0.50% · 4.625%
HK$25,912
+HK$1,298/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,228/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,989
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,828
−HK$853/mo
Today · 4.125%
HK$28,681
baseline
▲ 0.50% · 4.625%
HK$30,426
+HK$1,745/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,362/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,025
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,830
−HK$817/mo
Today · 4.125%
HK$31,647
baseline
▲ 0.50% · 4.625%
HK$33,315
+HK$1,668/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,294/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,547 · 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).