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$14,126
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,566
−HK$446/mo
Today · 4.125%
HK$15,012
baseline
▲ 0.50% · 4.625%
HK$15,926
+HK$914/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,024/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,715
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,137
−HK$427/mo
Today · 4.125%
HK$16,564
baseline
▲ 0.50% · 4.625%
HK$17,438
+HK$874/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,128/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,952
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,479
−HK$536/mo
Today · 4.125%
HK$18,015
baseline
▲ 0.50% · 4.625%
HK$19,111
+HK$1,096/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,030/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,858
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,364
−HK$513/mo
Today · 4.125%
HK$19,877
baseline
▲ 0.50% · 4.625%
HK$20,925
+HK$1,048/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,754/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,777
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,392
−HK$625/mo
Today · 4.125%
HK$21,017
baseline
▲ 0.50% · 4.625%
HK$22,296
+HK$1,279/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,034/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,001
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,592
−HK$598/mo
Today · 4.125%
HK$23,190
baseline
▲ 0.50% · 4.625%
HK$24,413
+HK$1,223/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,380/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,427
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,218
−HK$804/mo
Today · 4.125%
HK$27,022
baseline
▲ 0.50% · 4.625%
HK$28,666
+HK$1,644/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,044/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,288
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,046
−HK$770/mo
Today · 4.125%
HK$29,816
baseline
▲ 0.50% · 4.625%
HK$31,388
+HK$1,572/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,632/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,504 · 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).