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$14,757
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,216
−HK$466/mo
Today · 4.125%
HK$15,682
baseline
▲ 0.50% · 4.625%
HK$16,636
+HK$954/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,364/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,417
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,857
−HK$447/mo
Today · 4.125%
HK$17,304
baseline
▲ 0.50% · 4.625%
HK$18,216
+HK$912/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,608/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$182,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,708
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,259
−HK$560/mo
Today · 4.125%
HK$18,819
baseline
▲ 0.50% · 4.625%
HK$19,964
+HK$1,145/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$37,638/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,700
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,229
−HK$536/mo
Today · 4.125%
HK$20,765
baseline
▲ 0.50% · 4.625%
HK$21,859
+HK$1,094/mo
Deposit HK$2.59M · loan HK$3.88M · min. income ≈ HK$41,530/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$182,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,660
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,302
−HK$653/mo
Today · 4.125%
HK$21,955
baseline
▲ 0.50% · 4.625%
HK$23,291
+HK$1,336/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$43,910/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$182,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,984
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,600
−HK$625/mo
Today · 4.125%
HK$24,225
baseline
▲ 0.50% · 4.625%
HK$25,502
+HK$1,277/mo
Deposit HK$1.94M · loan HK$4.53M · min. income ≈ HK$48,450/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$182,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,562
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,389
−HK$839/mo
Today · 4.125%
HK$28,228
baseline
▲ 0.50% · 4.625%
HK$29,946
+HK$1,718/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$56,456/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$182,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,550
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,343
−HK$804/mo
Today · 4.125%
HK$31,147
baseline
▲ 0.50% · 4.625%
HK$32,789
+HK$1,642/mo
Deposit HK$647K · loan HK$5.82M · min. income ≈ HK$62,294/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$182,157 · 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).