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$14,256
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,699
−HK$451/mo
Today · 4.125%
HK$15,150
baseline
▲ 0.50% · 4.625%
HK$16,072
+HK$922/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,300/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,859
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,285
−HK$431/mo
Today · 4.125%
HK$16,716
baseline
▲ 0.50% · 4.625%
HK$17,597
+HK$881/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,432/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,107
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,639
−HK$541/mo
Today · 4.125%
HK$18,180
baseline
▲ 0.50% · 4.625%
HK$19,286
+HK$1,106/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,360/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,031
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,542
−HK$518/mo
Today · 4.125%
HK$20,060
baseline
▲ 0.50% · 4.625%
HK$21,117
+HK$1,057/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,120/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,958
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,579
−HK$631/mo
Today · 4.125%
HK$21,210
baseline
▲ 0.50% · 4.625%
HK$22,500
+HK$1,290/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,420/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,203
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,799
−HK$604/mo
Today · 4.125%
HK$23,403
baseline
▲ 0.50% · 4.625%
HK$24,636
+HK$1,233/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,806/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,660
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,459
−HK$811/mo
Today · 4.125%
HK$27,270
baseline
▲ 0.50% · 4.625%
HK$28,929
+HK$1,659/mo
Deposit HK$625K · loan HK$5.63M · min. income ≈ HK$54,540/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$160,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,547
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,313
−HK$776/mo
Today · 4.125%
HK$30,089
baseline
▲ 0.50% · 4.625%
HK$31,675
+HK$1,586/mo
Deposit HK$625K · loan HK$5.63M · min. income ≈ HK$60,178/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$160,184 · 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).