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$14,535
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,987
−HK$459/mo
Today · 4.125%
HK$15,446
baseline
▲ 0.50% · 4.625%
HK$16,386
+HK$940/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,892/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,170
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,604
−HK$440/mo
Today · 4.125%
HK$17,044
baseline
▲ 0.50% · 4.625%
HK$17,942
+HK$898/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,088/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,442
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,984
−HK$552/mo
Today · 4.125%
HK$18,536
baseline
▲ 0.50% · 4.625%
HK$19,664
+HK$1,128/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$37,072/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,404
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,924
−HK$528/mo
Today · 4.125%
HK$20,452
baseline
▲ 0.50% · 4.625%
HK$21,530
+HK$1,078/mo
Deposit HK$2.55M · loan HK$3.82M · min. income ≈ HK$40,904/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,349
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,982
−HK$643/mo
Today · 4.125%
HK$21,625
baseline
▲ 0.50% · 4.625%
HK$22,941
+HK$1,316/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,250/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,638
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,245
−HK$616/mo
Today · 4.125%
HK$23,861
baseline
▲ 0.50% · 4.625%
HK$25,119
+HK$1,258/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,722/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$172,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,163
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,977
−HK$827/mo
Today · 4.125%
HK$27,804
baseline
▲ 0.50% · 4.625%
HK$29,495
+HK$1,691/mo
Deposit HK$637K · loan HK$5.74M · min. income ≈ HK$55,608/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$172,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,106
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,887
−HK$791/mo
Today · 4.125%
HK$30,678
baseline
▲ 0.50% · 4.625%
HK$32,296
+HK$1,618/mo
Deposit HK$637K · loan HK$5.74M · min. income ≈ HK$61,356/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$172,426 · 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).