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$14,566
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,019
−HK$460/mo
Today · 4.125%
HK$15,479
baseline
▲ 0.50% · 4.625%
HK$16,421
+HK$942/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,958/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,204
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,639
−HK$441/mo
Today · 4.125%
HK$17,080
baseline
▲ 0.50% · 4.625%
HK$17,980
+HK$900/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,160/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$173,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,479
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,023
−HK$552/mo
Today · 4.125%
HK$18,575
baseline
▲ 0.50% · 4.625%
HK$19,706
+HK$1,131/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$37,150/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,445
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,967
−HK$529/mo
Today · 4.125%
HK$20,496
baseline
▲ 0.50% · 4.625%
HK$21,576
+HK$1,080/mo
Deposit HK$2.56M · loan HK$3.83M · min. income ≈ HK$40,992/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,392
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,027
−HK$644/mo
Today · 4.125%
HK$21,671
baseline
▲ 0.50% · 4.625%
HK$22,990
+HK$1,319/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$43,342/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,686
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,295
−HK$617/mo
Today · 4.125%
HK$23,912
baseline
▲ 0.50% · 4.625%
HK$25,172
+HK$1,260/mo
Deposit HK$1.92M · loan HK$4.47M · min. income ≈ HK$47,824/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,219
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,034
−HK$829/mo
Today · 4.125%
HK$27,863
baseline
▲ 0.50% · 4.625%
HK$29,558
+HK$1,695/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$55,726/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$173,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,168
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,950
−HK$794/mo
Today · 4.125%
HK$30,744
baseline
▲ 0.50% · 4.625%
HK$32,364
+HK$1,620/mo
Deposit HK$639K · loan HK$5.75M · min. income ≈ HK$61,488/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$173,786 · 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).