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$15,095
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,564
−HK$477/mo
Today · 4.125%
HK$16,041
baseline
▲ 0.50% · 4.625%
HK$17,017
+HK$976/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,082/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$196,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,793
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,243
−HK$457/mo
Today · 4.125%
HK$17,700
baseline
▲ 0.50% · 4.625%
HK$18,633
+HK$933/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,400/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$196,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,113
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,677
−HK$572/mo
Today · 4.125%
HK$19,249
baseline
▲ 0.50% · 4.625%
HK$20,421
+HK$1,172/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,498/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,151
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,691
−HK$549/mo
Today · 4.125%
HK$21,240
baseline
▲ 0.50% · 4.625%
HK$22,359
+HK$1,119/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,480/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$196,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,132
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,790
−HK$668/mo
Today · 4.125%
HK$22,458
baseline
▲ 0.50% · 4.625%
HK$23,824
+HK$1,366/mo
Deposit HK$1.99M · loan HK$4.63M · min. income ≈ HK$44,916/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,510
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,140
−HK$640/mo
Today · 4.125%
HK$24,780
baseline
▲ 0.50% · 4.625%
HK$26,086
+HK$1,306/mo
Deposit HK$1.99M · loan HK$4.63M · min. income ≈ HK$49,560/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$196,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,170
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,015
−HK$859/mo
Today · 4.125%
HK$28,874
baseline
▲ 0.50% · 4.625%
HK$30,631
+HK$1,757/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$57,748/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$196,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,227
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$31,037
−HK$823/mo
Today · 4.125%
HK$31,860
baseline
▲ 0.50% · 4.625%
HK$33,539
+HK$1,679/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$63,720/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$196,966 · 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).