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$15,634
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,121
−HK$494/mo
Today · 4.125%
HK$16,615
baseline
▲ 0.50% · 4.625%
HK$17,626
+HK$1,011/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,230/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,393
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,859
−HK$474/mo
Today · 4.125%
HK$18,333
baseline
▲ 0.50% · 4.625%
HK$19,299
+HK$966/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,666/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$205,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,761
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,345
−HK$593/mo
Today · 4.125%
HK$19,938
baseline
▲ 0.50% · 4.625%
HK$21,151
+HK$1,213/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$39,876/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,871
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,431
−HK$568/mo
Today · 4.125%
HK$21,999
baseline
▲ 0.50% · 4.625%
HK$23,159
+HK$1,160/mo
Deposit HK$2.74M · loan HK$4.11M · min. income ≈ HK$43,998/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,888
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$22,569
−HK$691/mo
Today · 4.125%
HK$23,260
baseline
▲ 0.50% · 4.625%
HK$24,676
+HK$1,416/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,520/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,350
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$25,003
−HK$663/mo
Today · 4.125%
HK$25,666
baseline
▲ 0.50% · 4.625%
HK$27,018
+HK$1,352/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,332/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,142
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,017
−HK$889/mo
Today · 4.125%
HK$29,906
baseline
▲ 0.50% · 4.625%
HK$31,726
+HK$1,820/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$59,812/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,307
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,147
−HK$852/mo
Today · 4.125%
HK$32,999
baseline
▲ 0.50% · 4.625%
HK$34,738
+HK$1,739/mo
Deposit HK$686K · loan HK$6.17M · min. income ≈ HK$65,998/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$205,691 · 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).