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$14,271
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,715
−HK$451/mo
Today · 4.125%
HK$15,166
baseline
▲ 0.50% · 4.625%
HK$16,089
+HK$923/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,332/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,877
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,302
−HK$432/mo
Today · 4.125%
HK$16,734
baseline
▲ 0.50% · 4.625%
HK$17,617
+HK$883/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,468/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$160,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,126
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,658
−HK$541/mo
Today · 4.125%
HK$18,199
baseline
▲ 0.50% · 4.625%
HK$19,307
+HK$1,108/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$36,398/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,052
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,563
−HK$518/mo
Today · 4.125%
HK$20,081
baseline
▲ 0.50% · 4.625%
HK$21,140
+HK$1,059/mo
Deposit HK$2.50M · loan HK$3.76M · min. income ≈ HK$40,162/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$160,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,980
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,601
−HK$632/mo
Today · 4.125%
HK$21,233
baseline
▲ 0.50% · 4.625%
HK$22,525
+HK$1,292/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$42,466/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,227
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,823
−HK$605/mo
Today · 4.125%
HK$23,428
baseline
▲ 0.50% · 4.625%
HK$24,663
+HK$1,235/mo
Deposit HK$1.88M · loan HK$4.38M · min. income ≈ HK$46,856/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$160,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,688
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,487
−HK$812/mo
Today · 4.125%
HK$27,299
baseline
▲ 0.50% · 4.625%
HK$28,960
+HK$1,661/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$54,598/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$160,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,578
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,344
−HK$778/mo
Today · 4.125%
HK$30,122
baseline
▲ 0.50% · 4.625%
HK$31,710
+HK$1,588/mo
Deposit HK$626K · loan HK$5.63M · min. income ≈ HK$60,244/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$160,864 · 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).