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$14,694
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,151
−HK$464/mo
Today · 4.125%
HK$15,615
baseline
▲ 0.50% · 4.625%
HK$16,566
+HK$951/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,230/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,347
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,785
−HK$445/mo
Today · 4.125%
HK$17,230
baseline
▲ 0.50% · 4.625%
HK$18,138
+HK$908/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,460/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,633
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,181
−HK$557/mo
Today · 4.125%
HK$18,738
baseline
▲ 0.50% · 4.625%
HK$19,879
+HK$1,141/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,476/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,616
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,142
−HK$534/mo
Today · 4.125%
HK$20,676
baseline
▲ 0.50% · 4.625%
HK$21,766
+HK$1,090/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,352/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,572
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,211
−HK$651/mo
Today · 4.125%
HK$21,862
baseline
▲ 0.50% · 4.625%
HK$23,192
+HK$1,330/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,724/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,886
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,499
−HK$623/mo
Today · 4.125%
HK$24,122
baseline
▲ 0.50% · 4.625%
HK$25,394
+HK$1,272/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,244/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,449
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,272
−HK$836/mo
Today · 4.125%
HK$28,108
baseline
▲ 0.50% · 4.625%
HK$29,818
+HK$1,710/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$56,216/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,424
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,214
−HK$800/mo
Today · 4.125%
HK$31,014
baseline
▲ 0.50% · 4.625%
HK$32,649
+HK$1,635/mo
Deposit HK$644K · loan HK$5.80M · min. income ≈ HK$62,028/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$179,400 · 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).