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$14,680
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,136
−HK$464/mo
Today · 4.125%
HK$15,600
baseline
▲ 0.50% · 4.625%
HK$16,549
+HK$949/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,200/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,331
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,769
−HK$444/mo
Today · 4.125%
HK$17,213
baseline
▲ 0.50% · 4.625%
HK$18,121
+HK$908/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,426/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$178,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,616
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,163
−HK$557/mo
Today · 4.125%
HK$18,720
baseline
▲ 0.50% · 4.625%
HK$19,859
+HK$1,139/mo
Deposit HK$2.58M · loan HK$3.86M · min. income ≈ HK$37,440/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,597
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,123
−HK$533/mo
Today · 4.125%
HK$20,656
baseline
▲ 0.50% · 4.625%
HK$21,745
+HK$1,089/mo
Deposit HK$2.58M · loan HK$3.86M · min. income ≈ HK$41,312/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$178,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,551
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,191
−HK$649/mo
Today · 4.125%
HK$21,840
baseline
▲ 0.50% · 4.625%
HK$23,169
+HK$1,329/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,680/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,863
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,476
−HK$623/mo
Today · 4.125%
HK$24,099
baseline
▲ 0.50% · 4.625%
HK$25,369
+HK$1,270/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,198/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$178,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,423
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,245
−HK$835/mo
Today · 4.125%
HK$28,080
baseline
▲ 0.50% · 4.625%
HK$29,789
+HK$1,709/mo
Deposit HK$644K · loan HK$5.79M · min. income ≈ HK$56,160/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$178,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,396
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,184
−HK$800/mo
Today · 4.125%
HK$30,984
baseline
▲ 0.50% · 4.625%
HK$32,617
+HK$1,633/mo
Deposit HK$644K · loan HK$5.79M · min. income ≈ HK$61,968/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$178,771 · 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).