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$14,004
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,440
−HK$443/mo
Today · 4.125%
HK$14,883
baseline
▲ 0.50% · 4.625%
HK$15,788
+HK$905/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,766/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,580
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,998
−HK$423/mo
Today · 4.125%
HK$16,421
baseline
▲ 0.50% · 4.625%
HK$17,287
+HK$866/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,842/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,805
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,328
−HK$531/mo
Today · 4.125%
HK$17,859
baseline
▲ 0.50% · 4.625%
HK$18,946
+HK$1,087/mo
Deposit HK$2.46M · loan HK$3.68M · min. income ≈ HK$35,718/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,696
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,197
−HK$509/mo
Today · 4.125%
HK$19,706
baseline
▲ 0.50% · 4.625%
HK$20,744
+HK$1,038/mo
Deposit HK$2.46M · loan HK$3.68M · min. income ≈ HK$39,412/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,606
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,216
−HK$620/mo
Today · 4.125%
HK$20,836
baseline
▲ 0.50% · 4.625%
HK$22,103
+HK$1,267/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,672/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,812
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,397
−HK$593/mo
Today · 4.125%
HK$22,990
baseline
▲ 0.50% · 4.625%
HK$24,202
+HK$1,212/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$45,980/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,208
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,992
−HK$797/mo
Today · 4.125%
HK$26,789
baseline
▲ 0.50% · 4.625%
HK$28,419
+HK$1,630/mo
Deposit HK$614K · loan HK$5.53M · min. income ≈ HK$53,578/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$149,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,043
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,796
−HK$763/mo
Today · 4.125%
HK$29,559
baseline
▲ 0.50% · 4.625%
HK$31,117
+HK$1,558/mo
Deposit HK$614K · loan HK$5.53M · min. income ≈ HK$59,118/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$149,158 · 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).