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$13,926
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,359
−HK$440/mo
Today · 4.125%
HK$14,799
baseline
▲ 0.50% · 4.625%
HK$15,699
+HK$900/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,598/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,492
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,908
−HK$421/mo
Today · 4.125%
HK$16,329
baseline
▲ 0.50% · 4.625%
HK$17,190
+HK$861/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,658/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,711
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,231
−HK$528/mo
Today · 4.125%
HK$17,759
baseline
▲ 0.50% · 4.625%
HK$18,839
+HK$1,080/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,518/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,591
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,089
−HK$506/mo
Today · 4.125%
HK$19,595
baseline
▲ 0.50% · 4.625%
HK$20,628
+HK$1,033/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,190/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,496
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,102
−HK$616/mo
Today · 4.125%
HK$20,718
baseline
▲ 0.50% · 4.625%
HK$21,979
+HK$1,261/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,436/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,689
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,271
−HK$590/mo
Today · 4.125%
HK$22,861
baseline
▲ 0.50% · 4.625%
HK$24,066
+HK$1,205/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,722/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,066
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,846
−HK$792/mo
Today · 4.125%
HK$26,638
baseline
▲ 0.50% · 4.625%
HK$28,259
+HK$1,621/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$53,276/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$145,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,886
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,634
−HK$758/mo
Today · 4.125%
HK$29,392
baseline
▲ 0.50% · 4.625%
HK$30,942
+HK$1,550/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$58,784/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$145,705 · 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).