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$14,118
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,557
−HK$446/mo
Today · 4.125%
HK$15,003
baseline
▲ 0.50% · 4.625%
HK$15,916
+HK$913/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,006/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,706
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,127
−HK$427/mo
Today · 4.125%
HK$16,554
baseline
▲ 0.50% · 4.625%
HK$17,427
+HK$873/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,108/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,941
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,468
−HK$535/mo
Today · 4.125%
HK$18,003
baseline
▲ 0.50% · 4.625%
HK$19,099
+HK$1,096/mo
Deposit HK$2.48M · loan HK$3.71M · min. income ≈ HK$36,006/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,847
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,352
−HK$513/mo
Today · 4.125%
HK$19,865
baseline
▲ 0.50% · 4.625%
HK$20,912
+HK$1,047/mo
Deposit HK$2.48M · loan HK$3.71M · min. income ≈ HK$39,730/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,765
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,379
−HK$625/mo
Today · 4.125%
HK$21,004
baseline
▲ 0.50% · 4.625%
HK$22,282
+HK$1,278/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$42,008/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,988
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,578
−HK$598/mo
Today · 4.125%
HK$23,176
baseline
▲ 0.50% · 4.625%
HK$24,397
+HK$1,221/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,352/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,412
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,202
−HK$803/mo
Today · 4.125%
HK$27,005
baseline
▲ 0.50% · 4.625%
HK$28,648
+HK$1,643/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$54,010/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$154,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,270
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,028
−HK$769/mo
Today · 4.125%
HK$29,797
baseline
▲ 0.50% · 4.625%
HK$31,368
+HK$1,571/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$59,594/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$154,122 · 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).