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$14,539
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,991
−HK$460/mo
Today · 4.125%
HK$15,451
baseline
▲ 0.50% · 4.625%
HK$16,391
+HK$940/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,902/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,175
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,609
−HK$440/mo
Today · 4.125%
HK$17,049
baseline
▲ 0.50% · 4.625%
HK$17,947
+HK$898/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,098/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$172,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,447
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,990
−HK$551/mo
Today · 4.125%
HK$18,541
baseline
▲ 0.50% · 4.625%
HK$19,669
+HK$1,128/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,082/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,410
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,930
−HK$528/mo
Today · 4.125%
HK$20,458
baseline
▲ 0.50% · 4.625%
HK$21,537
+HK$1,079/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,916/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$172,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,355
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,988
−HK$643/mo
Today · 4.125%
HK$21,631
baseline
▲ 0.50% · 4.625%
HK$22,948
+HK$1,317/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$43,262/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$172,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,645
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,252
−HK$616/mo
Today · 4.125%
HK$23,868
baseline
▲ 0.50% · 4.625%
HK$25,126
+HK$1,258/mo
Deposit HK$1.91M · loan HK$4.46M · min. income ≈ HK$47,736/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$172,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,171
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,985
−HK$827/mo
Today · 4.125%
HK$27,812
baseline
▲ 0.50% · 4.625%
HK$29,504
+HK$1,692/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$55,624/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$172,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,115
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,895
−HK$793/mo
Today · 4.125%
HK$30,688
baseline
▲ 0.50% · 4.625%
HK$32,305
+HK$1,617/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$61,376/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$172,615 · 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).