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$14,343
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,789
−HK$454/mo
Today · 4.125%
HK$15,243
baseline
▲ 0.50% · 4.625%
HK$16,170
+HK$927/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,486/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,957
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,385
−HK$434/mo
Today · 4.125%
HK$16,819
baseline
▲ 0.50% · 4.625%
HK$17,705
+HK$886/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,638/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$164,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,212
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,747
−HK$544/mo
Today · 4.125%
HK$18,291
baseline
▲ 0.50% · 4.625%
HK$19,404
+HK$1,113/mo
Deposit HK$2.52M · loan HK$3.77M · min. income ≈ HK$36,582/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,148
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,662
−HK$521/mo
Today · 4.125%
HK$20,183
baseline
▲ 0.50% · 4.625%
HK$21,246
+HK$1,063/mo
Deposit HK$2.52M · loan HK$3.77M · min. income ≈ HK$40,366/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$164,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,080
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,705
−HK$635/mo
Today · 4.125%
HK$21,340
baseline
▲ 0.50% · 4.625%
HK$22,638
+HK$1,298/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$42,680/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,339
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,938
−HK$608/mo
Today · 4.125%
HK$23,546
baseline
▲ 0.50% · 4.625%
HK$24,787
+HK$1,241/mo
Deposit HK$1.89M · loan HK$4.40M · min. income ≈ HK$47,092/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$164,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,818
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,621
−HK$816/mo
Today · 4.125%
HK$27,437
baseline
▲ 0.50% · 4.625%
HK$29,106
+HK$1,669/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$54,874/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$164,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,722
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,492
−HK$782/mo
Today · 4.125%
HK$30,274
baseline
▲ 0.50% · 4.625%
HK$31,870
+HK$1,596/mo
Deposit HK$629K · loan HK$5.66M · min. income ≈ HK$60,548/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$164,018 · 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).