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$14,781
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,240
−HK$467/mo
Today · 4.125%
HK$15,707
baseline
▲ 0.50% · 4.625%
HK$16,663
+HK$956/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,414/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$183,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,443
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,884
−HK$448/mo
Today · 4.125%
HK$17,332
baseline
▲ 0.50% · 4.625%
HK$18,245
+HK$913/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,664/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$183,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,737
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,288
−HK$561/mo
Today · 4.125%
HK$18,849
baseline
▲ 0.50% · 4.625%
HK$19,996
+HK$1,147/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$37,698/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,732
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$20,261
−HK$537/mo
Today · 4.125%
HK$20,798
baseline
▲ 0.50% · 4.625%
HK$21,894
+HK$1,096/mo
Deposit HK$2.59M · loan HK$3.89M · min. income ≈ HK$41,596/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,693
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,337
−HK$653/mo
Today · 4.125%
HK$21,990
baseline
▲ 0.50% · 4.625%
HK$23,329
+HK$1,339/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$43,980/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,021
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,638
−HK$626/mo
Today · 4.125%
HK$24,264
baseline
▲ 0.50% · 4.625%
HK$25,543
+HK$1,279/mo
Deposit HK$1.94M · loan HK$4.54M · min. income ≈ HK$48,528/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,605
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,433
−HK$840/mo
Today · 4.125%
HK$28,273
baseline
▲ 0.50% · 4.625%
HK$29,994
+HK$1,721/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$56,546/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$183,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,598
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,392
−HK$805/mo
Today · 4.125%
HK$31,197
baseline
▲ 0.50% · 4.625%
HK$32,841
+HK$1,644/mo
Deposit HK$648K · loan HK$5.83M · min. income ≈ HK$62,394/mo (50% DSR)
Upfront cash ≈ HK$831K (deposit + AVD stamp duty HK$183,200 · 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).