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$13,836
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,266
−HK$438/mo
Today · 4.125%
HK$14,704
baseline
▲ 0.50% · 4.625%
HK$15,598
+HK$894/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$29,408/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$141,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,392
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,805
−HK$419/mo
Today · 4.125%
HK$16,224
baseline
▲ 0.50% · 4.625%
HK$17,079
+HK$855/mo
Deposit HK$3.03M · loan HK$3.03M · min. income ≈ HK$32,448/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$141,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,603
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,120
−HK$524/mo
Today · 4.125%
HK$17,644
baseline
▲ 0.50% · 4.625%
HK$18,718
+HK$1,074/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,288/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,471
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,966
−HK$503/mo
Today · 4.125%
HK$19,469
baseline
▲ 0.50% · 4.625%
HK$20,495
+HK$1,026/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,938/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$141,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,370
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,973
−HK$612/mo
Today · 4.125%
HK$20,585
baseline
▲ 0.50% · 4.625%
HK$21,838
+HK$1,253/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,170/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,549
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,127
−HK$587/mo
Today · 4.125%
HK$22,714
baseline
▲ 0.50% · 4.625%
HK$23,911
+HK$1,197/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,428/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$141,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,905
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,680
−HK$787/mo
Today · 4.125%
HK$26,467
baseline
▲ 0.50% · 4.625%
HK$28,077
+HK$1,610/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$52,934/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$141,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,706
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,450
−HK$753/mo
Today · 4.125%
HK$29,203
baseline
▲ 0.50% · 4.625%
HK$30,743
+HK$1,540/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$58,406/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$141,777 · 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).