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$13,927
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,360
−HK$440/mo
Today · 4.125%
HK$14,800
baseline
▲ 0.50% · 4.625%
HK$15,701
+HK$901/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,600/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,494
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,909
−HK$422/mo
Today · 4.125%
HK$16,331
baseline
▲ 0.50% · 4.625%
HK$17,191
+HK$860/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,662/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,712
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,232
−HK$528/mo
Today · 4.125%
HK$17,760
baseline
▲ 0.50% · 4.625%
HK$18,841
+HK$1,081/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,520/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,592
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,091
−HK$506/mo
Today · 4.125%
HK$19,597
baseline
▲ 0.50% · 4.625%
HK$20,630
+HK$1,033/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,194/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,498
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,104
−HK$616/mo
Today · 4.125%
HK$20,720
baseline
▲ 0.50% · 4.625%
HK$21,981
+HK$1,261/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$41,440/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,691
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,273
−HK$590/mo
Today · 4.125%
HK$22,863
baseline
▲ 0.50% · 4.625%
HK$24,068
+HK$1,205/mo
Deposit HK$1.83M · loan HK$4.28M · min. income ≈ HK$45,726/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,068
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,848
−HK$792/mo
Today · 4.125%
HK$26,640
baseline
▲ 0.50% · 4.625%
HK$28,261
+HK$1,621/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$53,280/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$145,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,888
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,636
−HK$759/mo
Today · 4.125%
HK$29,395
baseline
▲ 0.50% · 4.625%
HK$30,945
+HK$1,550/mo
Deposit HK$611K · loan HK$5.50M · min. income ≈ HK$58,790/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$145,762 · 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).