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$15,416
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,896
−HK$487/mo
Today · 4.125%
HK$16,383
baseline
▲ 0.50% · 4.625%
HK$17,380
+HK$997/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$32,766/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,150
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,610
−HK$467/mo
Today · 4.125%
HK$18,077
baseline
▲ 0.50% · 4.625%
HK$19,030
+HK$953/mo
Deposit HK$3.38M · loan HK$3.38M · min. income ≈ HK$36,154/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$202,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,499
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,075
−HK$584/mo
Today · 4.125%
HK$19,659
baseline
▲ 0.50% · 4.625%
HK$20,855
+HK$1,196/mo
Deposit HK$2.70M · loan HK$4.06M · min. income ≈ HK$39,318/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,580
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,132
−HK$560/mo
Today · 4.125%
HK$21,692
baseline
▲ 0.50% · 4.625%
HK$22,835
+HK$1,143/mo
Deposit HK$2.70M · loan HK$4.06M · min. income ≈ HK$43,384/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$202,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,582
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,254
−HK$682/mo
Today · 4.125%
HK$22,936
baseline
▲ 0.50% · 4.625%
HK$24,331
+HK$1,395/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$45,872/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,010
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,654
−HK$653/mo
Today · 4.125%
HK$25,307
baseline
▲ 0.50% · 4.625%
HK$26,641
+HK$1,334/mo
Deposit HK$2.03M · loan HK$4.73M · min. income ≈ HK$50,614/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,749
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,612
−HK$877/mo
Today · 4.125%
HK$29,489
baseline
▲ 0.50% · 4.625%
HK$31,283
+HK$1,794/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$58,978/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,870
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,698
−HK$840/mo
Today · 4.125%
HK$32,538
baseline
▲ 0.50% · 4.625%
HK$34,253
+HK$1,715/mo
Deposit HK$676K · loan HK$6.08M · min. income ≈ HK$65,076/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$202,820 · 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).