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$14,662
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,118
−HK$463/mo
Today · 4.125%
HK$15,581
baseline
▲ 0.50% · 4.625%
HK$16,529
+HK$948/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,162/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,311
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,748
−HK$444/mo
Today · 4.125%
HK$17,192
baseline
▲ 0.50% · 4.625%
HK$18,098
+HK$906/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,384/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,594
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,141
−HK$556/mo
Today · 4.125%
HK$18,697
baseline
▲ 0.50% · 4.625%
HK$19,835
+HK$1,138/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,394/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,573
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,098
−HK$533/mo
Today · 4.125%
HK$20,631
baseline
▲ 0.50% · 4.625%
HK$21,718
+HK$1,087/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,262/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,526
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,165
−HK$649/mo
Today · 4.125%
HK$21,814
baseline
▲ 0.50% · 4.625%
HK$23,141
+HK$1,327/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,628/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,835
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,448
−HK$621/mo
Today · 4.125%
HK$24,069
baseline
▲ 0.50% · 4.625%
HK$25,338
+HK$1,269/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,138/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,391
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,212
−HK$834/mo
Today · 4.125%
HK$28,046
baseline
▲ 0.50% · 4.625%
HK$29,752
+HK$1,706/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$56,092/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$177,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,360
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,147
−HK$799/mo
Today · 4.125%
HK$30,946
baseline
▲ 0.50% · 4.625%
HK$32,577
+HK$1,631/mo
Deposit HK$643K · loan HK$5.79M · min. income ≈ HK$61,892/mo (50% DSR)
Upfront cash ≈ HK$821K (deposit + AVD stamp duty HK$177,984 · 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).