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$15,182
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,655
−HK$479/mo
Today · 4.125%
HK$16,134
baseline
▲ 0.50% · 4.625%
HK$17,116
+HK$982/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,268/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,890
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,343
−HK$460/mo
Today · 4.125%
HK$17,803
baseline
▲ 0.50% · 4.625%
HK$18,741
+HK$938/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,606/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,219
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,786
−HK$575/mo
Today · 4.125%
HK$19,361
baseline
▲ 0.50% · 4.625%
HK$20,539
+HK$1,178/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,722/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,268
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$20,812
−HK$551/mo
Today · 4.125%
HK$21,363
baseline
▲ 0.50% · 4.625%
HK$22,489
+HK$1,126/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,726/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,255
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,916
−HK$672/mo
Today · 4.125%
HK$22,588
baseline
▲ 0.50% · 4.625%
HK$23,963
+HK$1,375/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,176/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,646
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,280
−HK$644/mo
Today · 4.125%
HK$24,924
baseline
▲ 0.50% · 4.625%
HK$26,238
+HK$1,314/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,848/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,328
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,178
−HK$864/mo
Today · 4.125%
HK$29,042
baseline
▲ 0.50% · 4.625%
HK$30,809
+HK$1,767/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$58,084/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,402
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,218
−HK$827/mo
Today · 4.125%
HK$32,045
baseline
▲ 0.50% · 4.625%
HK$33,734
+HK$1,689/mo
Deposit HK$666K · loan HK$5.99M · min. income ≈ HK$64,090/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$199,746 · 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).