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$14,164
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,605
−HK$447/mo
Today · 4.125%
HK$15,052
baseline
▲ 0.50% · 4.625%
HK$15,968
+HK$916/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,104/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,757
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,180
−HK$429/mo
Today · 4.125%
HK$16,609
baseline
▲ 0.50% · 4.625%
HK$17,484
+HK$875/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,218/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,997
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,526
−HK$537/mo
Today · 4.125%
HK$18,063
baseline
▲ 0.50% · 4.625%
HK$19,162
+HK$1,099/mo
Deposit HK$2.48M · loan HK$3.73M · min. income ≈ HK$36,126/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,909
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,416
−HK$515/mo
Today · 4.125%
HK$19,931
baseline
▲ 0.50% · 4.625%
HK$20,981
+HK$1,050/mo
Deposit HK$2.48M · loan HK$3.73M · min. income ≈ HK$39,862/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,830
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,447
−HK$626/mo
Today · 4.125%
HK$21,073
baseline
▲ 0.50% · 4.625%
HK$22,356
+HK$1,283/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$42,146/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,060
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,652
−HK$600/mo
Today · 4.125%
HK$23,252
baseline
▲ 0.50% · 4.625%
HK$24,478
+HK$1,226/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$46,504/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,495
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,288
−HK$806/mo
Today · 4.125%
HK$27,094
baseline
▲ 0.50% · 4.625%
HK$28,743
+HK$1,649/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$54,188/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$156,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,363
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,124
−HK$772/mo
Today · 4.125%
HK$29,896
baseline
▲ 0.50% · 4.625%
HK$31,472
+HK$1,576/mo
Deposit HK$621K · loan HK$5.59M · min. income ≈ HK$59,792/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$156,165 · 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).