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$15,456
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,937
−HK$489/mo
Today · 4.125%
HK$16,426
baseline
▲ 0.50% · 4.625%
HK$17,425
+HK$999/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,852/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,195
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,656
−HK$468/mo
Today · 4.125%
HK$18,124
baseline
▲ 0.50% · 4.625%
HK$19,079
+HK$955/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,248/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$203,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,548
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,124
−HK$587/mo
Today · 4.125%
HK$19,711
baseline
▲ 0.50% · 4.625%
HK$20,910
+HK$1,199/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$39,422/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,634
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,187
−HK$562/mo
Today · 4.125%
HK$21,749
baseline
▲ 0.50% · 4.625%
HK$22,895
+HK$1,146/mo
Deposit HK$2.71M · loan HK$4.07M · min. income ≈ HK$43,498/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$203,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,639
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,312
−HK$684/mo
Today · 4.125%
HK$22,996
baseline
▲ 0.50% · 4.625%
HK$24,395
+HK$1,399/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$45,992/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,073
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,719
−HK$655/mo
Today · 4.125%
HK$25,374
baseline
▲ 0.50% · 4.625%
HK$26,711
+HK$1,337/mo
Deposit HK$2.03M · loan HK$4.74M · min. income ≈ HK$50,748/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,821
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,687
−HK$879/mo
Today · 4.125%
HK$29,566
baseline
▲ 0.50% · 4.625%
HK$31,365
+HK$1,799/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$59,132/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,951
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,781
−HK$842/mo
Today · 4.125%
HK$32,623
baseline
▲ 0.50% · 4.625%
HK$34,343
+HK$1,720/mo
Deposit HK$678K · loan HK$6.10M · min. income ≈ HK$65,246/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$203,350 · 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).