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$14,192
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,634
−HK$448/mo
Today · 4.125%
HK$15,082
baseline
▲ 0.50% · 4.625%
HK$16,000
+HK$918/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,164/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,789
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,212
−HK$430/mo
Today · 4.125%
HK$16,642
baseline
▲ 0.50% · 4.625%
HK$17,519
+HK$877/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,284/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,031
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,561
−HK$538/mo
Today · 4.125%
HK$18,099
baseline
▲ 0.50% · 4.625%
HK$19,200
+HK$1,101/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,198/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,947
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,455
−HK$515/mo
Today · 4.125%
HK$19,970
baseline
▲ 0.50% · 4.625%
HK$21,023
+HK$1,053/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,940/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,869
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,487
−HK$628/mo
Today · 4.125%
HK$21,115
baseline
▲ 0.50% · 4.625%
HK$22,400
+HK$1,285/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,230/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,104
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,697
−HK$602/mo
Today · 4.125%
HK$23,299
baseline
▲ 0.50% · 4.625%
HK$24,527
+HK$1,228/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,598/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,546
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,341
−HK$807/mo
Today · 4.125%
HK$27,148
baseline
▲ 0.50% · 4.625%
HK$28,800
+HK$1,652/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$54,296/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,420
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,182
−HK$773/mo
Today · 4.125%
HK$29,955
baseline
▲ 0.50% · 4.625%
HK$31,534
+HK$1,579/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$59,910/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,404 · 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).