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$14,124
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,564
−HK$446/mo
Today · 4.125%
HK$15,010
baseline
▲ 0.50% · 4.625%
HK$15,923
+HK$913/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,020/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,713
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,134
−HK$428/mo
Today · 4.125%
HK$16,562
baseline
▲ 0.50% · 4.625%
HK$17,435
+HK$873/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,124/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,949
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,476
−HK$536/mo
Today · 4.125%
HK$18,012
baseline
▲ 0.50% · 4.625%
HK$19,108
+HK$1,096/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,024/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,856
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,361
−HK$513/mo
Today · 4.125%
HK$19,874
baseline
▲ 0.50% · 4.625%
HK$20,922
+HK$1,048/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,748/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,774
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,389
−HK$625/mo
Today · 4.125%
HK$21,014
baseline
▲ 0.50% · 4.625%
HK$22,293
+HK$1,279/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,028/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,998
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,588
−HK$599/mo
Today · 4.125%
HK$23,187
baseline
▲ 0.50% · 4.625%
HK$24,409
+HK$1,222/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,374/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,424
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,214
−HK$804/mo
Today · 4.125%
HK$27,018
baseline
▲ 0.50% · 4.625%
HK$28,662
+HK$1,644/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$54,036/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,283
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,042
−HK$770/mo
Today · 4.125%
HK$29,812
baseline
▲ 0.50% · 4.625%
HK$31,383
+HK$1,571/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$59,624/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,414 · 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).