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$14,996
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,463
−HK$474/mo
Today · 4.125%
HK$15,937
baseline
▲ 0.50% · 4.625%
HK$16,906
+HK$969/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,874/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,683
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,131
−HK$453/mo
Today · 4.125%
HK$17,584
baseline
▲ 0.50% · 4.625%
HK$18,511
+HK$927/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,168/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,995
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,555
−HK$569/mo
Today · 4.125%
HK$19,124
baseline
▲ 0.50% · 4.625%
HK$20,287
+HK$1,163/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,248/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,020
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,557
−HK$544/mo
Today · 4.125%
HK$21,101
baseline
▲ 0.50% · 4.625%
HK$22,214
+HK$1,113/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,202/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,995
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,648
−HK$663/mo
Today · 4.125%
HK$22,311
baseline
▲ 0.50% · 4.625%
HK$23,669
+HK$1,358/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$44,622/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,356
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,983
−HK$635/mo
Today · 4.125%
HK$24,618
baseline
▲ 0.50% · 4.625%
HK$25,916
+HK$1,298/mo
Deposit HK$1.97M · loan HK$4.60M · min. income ≈ HK$49,236/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,993
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,833
−HK$853/mo
Today · 4.125%
HK$28,686
baseline
▲ 0.50% · 4.625%
HK$30,431
+HK$1,745/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,372/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,030
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,835
−HK$817/mo
Today · 4.125%
HK$31,652
baseline
▲ 0.50% · 4.625%
HK$33,320
+HK$1,668/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,304/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$192,652 · 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).