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$14,930
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,394
−HK$472/mo
Today · 4.125%
HK$15,866
baseline
▲ 0.50% · 4.625%
HK$16,831
+HK$965/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,732/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,609
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,055
−HK$451/mo
Today · 4.125%
HK$17,506
baseline
▲ 0.50% · 4.625%
HK$18,429
+HK$923/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$35,012/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$189,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,916
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,473
−HK$566/mo
Today · 4.125%
HK$19,039
baseline
▲ 0.50% · 4.625%
HK$20,198
+HK$1,159/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$38,078/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,931
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,465
−HK$543/mo
Today · 4.125%
HK$21,008
baseline
▲ 0.50% · 4.625%
HK$22,115
+HK$1,107/mo
Deposit HK$2.62M · loan HK$3.93M · min. income ≈ HK$42,016/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$189,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,902
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,552
−HK$660/mo
Today · 4.125%
HK$22,212
baseline
▲ 0.50% · 4.625%
HK$23,564
+HK$1,352/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$44,424/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,253
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,876
−HK$633/mo
Today · 4.125%
HK$24,509
baseline
▲ 0.50% · 4.625%
HK$25,801
+HK$1,292/mo
Deposit HK$1.96M · loan HK$4.58M · min. income ≈ HK$49,018/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$189,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,873
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,709
−HK$850/mo
Today · 4.125%
HK$28,559
baseline
▲ 0.50% · 4.625%
HK$30,296
+HK$1,737/mo
Deposit HK$655K · loan HK$5.89M · min. income ≈ HK$57,118/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,896
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,698
−HK$814/mo
Today · 4.125%
HK$31,512
baseline
▲ 0.50% · 4.625%
HK$33,173
+HK$1,661/mo
Deposit HK$655K · loan HK$5.89M · min. income ≈ HK$63,024/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$189,737 · 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).