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$14,571
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,024
−HK$460/mo
Today · 4.125%
HK$15,484
baseline
▲ 0.50% · 4.625%
HK$16,427
+HK$943/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,968/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,210
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,644
−HK$441/mo
Today · 4.125%
HK$17,085
baseline
▲ 0.50% · 4.625%
HK$17,986
+HK$901/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,170/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,485
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,029
−HK$552/mo
Today · 4.125%
HK$18,581
baseline
▲ 0.50% · 4.625%
HK$19,712
+HK$1,131/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$37,162/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,452
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,973
−HK$530/mo
Today · 4.125%
HK$20,503
baseline
▲ 0.50% · 4.625%
HK$21,583
+HK$1,080/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$41,006/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,399
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,033
−HK$645/mo
Today · 4.125%
HK$21,678
baseline
▲ 0.50% · 4.625%
HK$22,997
+HK$1,319/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,356/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,694
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,302
−HK$618/mo
Today · 4.125%
HK$23,920
baseline
▲ 0.50% · 4.625%
HK$25,181
+HK$1,261/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,840/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,227
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$27,043
−HK$829/mo
Today · 4.125%
HK$27,872
baseline
▲ 0.50% · 4.625%
HK$29,568
+HK$1,696/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,744/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$173,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,178
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,960
−HK$794/mo
Today · 4.125%
HK$30,754
baseline
▲ 0.50% · 4.625%
HK$32,375
+HK$1,621/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,508/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$173,993 · 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).