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$13,805
−HK$865/mo
▼ 0.25% · 3.875%
HK$14,234
−HK$436/mo
Today · 4.125%
HK$14,670
baseline
▲ 0.50% · 4.625%
HK$15,563
+HK$893/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,340/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,358
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,769
−HK$418/mo
Today · 4.125%
HK$16,187
baseline
▲ 0.50% · 4.625%
HK$17,041
+HK$854/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,374/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$140,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,566
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,081
−HK$523/mo
Today · 4.125%
HK$17,604
baseline
▲ 0.50% · 4.625%
HK$18,676
+HK$1,072/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$35,208/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,429
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,923
−HK$502/mo
Today · 4.125%
HK$19,425
baseline
▲ 0.50% · 4.625%
HK$20,449
+HK$1,024/mo
Deposit HK$2.42M · loan HK$3.63M · min. income ≈ HK$38,850/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$140,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,327
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,928
−HK$610/mo
Today · 4.125%
HK$20,538
baseline
▲ 0.50% · 4.625%
HK$21,788
+HK$1,250/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$41,076/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,501
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,077
−HK$585/mo
Today · 4.125%
HK$22,662
baseline
▲ 0.50% · 4.625%
HK$23,857
+HK$1,195/mo
Deposit HK$1.82M · loan HK$4.24M · min. income ≈ HK$45,324/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$140,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,848
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,621
−HK$786/mo
Today · 4.125%
HK$26,407
baseline
▲ 0.50% · 4.625%
HK$28,013
+HK$1,606/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$52,814/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,644
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,385
−HK$752/mo
Today · 4.125%
HK$29,137
baseline
▲ 0.50% · 4.625%
HK$30,673
+HK$1,536/mo
Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$58,274/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,400 · 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).