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$15,212
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,685
−HK$480/mo
Today · 4.125%
HK$16,165
baseline
▲ 0.50% · 4.625%
HK$17,149
+HK$984/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,330/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,923
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,377
−HK$460/mo
Today · 4.125%
HK$17,837
baseline
▲ 0.50% · 4.625%
HK$18,777
+HK$940/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,674/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,254
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,822
−HK$577/mo
Today · 4.125%
HK$19,399
baseline
▲ 0.50% · 4.625%
HK$20,579
+HK$1,180/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,798/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,307
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$20,852
−HK$552/mo
Today · 4.125%
HK$21,404
baseline
▲ 0.50% · 4.625%
HK$22,533
+HK$1,129/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,808/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,296
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,959
−HK$673/mo
Today · 4.125%
HK$22,632
baseline
▲ 0.50% · 4.625%
HK$24,009
+HK$1,377/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,264/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,692
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,327
−HK$645/mo
Today · 4.125%
HK$24,972
baseline
▲ 0.50% · 4.625%
HK$26,288
+HK$1,316/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,944/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,381
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,233
−HK$865/mo
Today · 4.125%
HK$29,098
baseline
▲ 0.50% · 4.625%
HK$30,868
+HK$1,770/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$58,196/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,461
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,278
−HK$829/mo
Today · 4.125%
HK$32,107
baseline
▲ 0.50% · 4.625%
HK$33,799
+HK$1,692/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$64,214/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,130 · 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).