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$14,937
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,401
−HK$472/mo
Today · 4.125%
HK$15,873
baseline
▲ 0.50% · 4.625%
HK$16,839
+HK$966/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,746/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,617
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,063
−HK$452/mo
Today · 4.125%
HK$17,515
baseline
▲ 0.50% · 4.625%
HK$18,438
+HK$923/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,030/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$190,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,924
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,482
−HK$566/mo
Today · 4.125%
HK$19,048
baseline
▲ 0.50% · 4.625%
HK$20,207
+HK$1,159/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,096/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,940
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,475
−HK$543/mo
Today · 4.125%
HK$21,018
baseline
▲ 0.50% · 4.625%
HK$22,125
+HK$1,107/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,036/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$190,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,911
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,562
−HK$661/mo
Today · 4.125%
HK$22,223
baseline
▲ 0.50% · 4.625%
HK$23,575
+HK$1,352/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,446/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,264
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,888
−HK$633/mo
Today · 4.125%
HK$24,521
baseline
▲ 0.50% · 4.625%
HK$25,813
+HK$1,292/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,042/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$190,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,886
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,722
−HK$850/mo
Today · 4.125%
HK$28,572
baseline
▲ 0.50% · 4.625%
HK$30,311
+HK$1,739/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$57,144/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$190,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,910
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,713
−HK$813/mo
Today · 4.125%
HK$31,526
baseline
▲ 0.50% · 4.625%
HK$33,188
+HK$1,662/mo
Deposit HK$655K · loan HK$5.90M · min. income ≈ HK$63,052/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$190,045 · 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).