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$15,379
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,858
−HK$486/mo
Today · 4.125%
HK$16,344
baseline
▲ 0.50% · 4.625%
HK$17,338
+HK$994/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,688/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,109
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,568
−HK$465/mo
Today · 4.125%
HK$18,033
baseline
▲ 0.50% · 4.625%
HK$18,984
+HK$951/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,066/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,455
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,029
−HK$583/mo
Today · 4.125%
HK$19,612
baseline
▲ 0.50% · 4.625%
HK$20,806
+HK$1,194/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,224/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,531
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,082
−HK$558/mo
Today · 4.125%
HK$21,640
baseline
▲ 0.50% · 4.625%
HK$22,781
+HK$1,141/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,280/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,531
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,201
−HK$680/mo
Today · 4.125%
HK$22,881
baseline
▲ 0.50% · 4.625%
HK$24,273
+HK$1,392/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,762/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,953
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,595
−HK$652/mo
Today · 4.125%
HK$25,247
baseline
▲ 0.50% · 4.625%
HK$26,578
+HK$1,331/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,494/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,682
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,544
−HK$874/mo
Today · 4.125%
HK$29,418
baseline
▲ 0.50% · 4.625%
HK$31,208
+HK$1,790/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$58,836/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,796
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,622
−HK$838/mo
Today · 4.125%
HK$32,460
baseline
▲ 0.50% · 4.625%
HK$34,171
+HK$1,711/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$64,920/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,335 · 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).