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$15,098
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,568
−HK$477/mo
Today · 4.125%
HK$16,045
baseline
▲ 0.50% · 4.625%
HK$17,021
+HK$976/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,090/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,796
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,247
−HK$457/mo
Today · 4.125%
HK$17,704
baseline
▲ 0.50% · 4.625%
HK$18,637
+HK$933/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,408/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,118
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,681
−HK$573/mo
Today · 4.125%
HK$19,254
baseline
▲ 0.50% · 4.625%
HK$20,425
+HK$1,171/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,508/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,156
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,696
−HK$549/mo
Today · 4.125%
HK$21,245
baseline
▲ 0.50% · 4.625%
HK$22,364
+HK$1,119/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,490/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,137
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,795
−HK$668/mo
Today · 4.125%
HK$22,463
baseline
▲ 0.50% · 4.625%
HK$23,829
+HK$1,366/mo
Deposit HK$1.99M · loan HK$4.63M · min. income ≈ HK$44,926/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$197,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,515
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,146
−HK$639/mo
Today · 4.125%
HK$24,785
baseline
▲ 0.50% · 4.625%
HK$26,092
+HK$1,307/mo
Deposit HK$1.99M · loan HK$4.63M · min. income ≈ HK$49,570/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$197,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,176
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,022
−HK$859/mo
Today · 4.125%
HK$28,881
baseline
▲ 0.50% · 4.625%
HK$30,638
+HK$1,757/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$57,762/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$197,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,233
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,044
−HK$823/mo
Today · 4.125%
HK$31,867
baseline
▲ 0.50% · 4.625%
HK$33,547
+HK$1,680/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$63,734/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$197,117 · 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).