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$14,638
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,093
−HK$462/mo
Today · 4.125%
HK$15,555
baseline
▲ 0.50% · 4.625%
HK$16,502
+HK$947/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,110/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$176,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,284
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,721
−HK$443/mo
Today · 4.125%
HK$17,164
baseline
▲ 0.50% · 4.625%
HK$18,069
+HK$905/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,328/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$176,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,565
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,111
−HK$556/mo
Today · 4.125%
HK$18,667
baseline
▲ 0.50% · 4.625%
HK$19,802
+HK$1,135/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,334/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,541
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,065
−HK$532/mo
Today · 4.125%
HK$20,597
baseline
▲ 0.50% · 4.625%
HK$21,682
+HK$1,085/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,194/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,493
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,130
−HK$648/mo
Today · 4.125%
HK$21,778
baseline
▲ 0.50% · 4.625%
HK$23,103
+HK$1,325/mo
Deposit HK$1.93M · loan HK$4.49M · min. income ≈ HK$43,556/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,798
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,409
−HK$621/mo
Today · 4.125%
HK$24,030
baseline
▲ 0.50% · 4.625%
HK$25,296
+HK$1,266/mo
Deposit HK$1.93M · loan HK$4.49M · min. income ≈ HK$48,060/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,348
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,167
−HK$833/mo
Today · 4.125%
HK$28,000
baseline
▲ 0.50% · 4.625%
HK$29,704
+HK$1,704/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$56,000/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$176,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,312
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,098
−HK$797/mo
Today · 4.125%
HK$30,895
baseline
▲ 0.50% · 4.625%
HK$32,524
+HK$1,629/mo
Deposit HK$642K · loan HK$5.78M · min. income ≈ HK$61,790/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$176,928 · 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).