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$14,173
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,613
−HK$448/mo
Today · 4.125%
HK$15,061
baseline
▲ 0.50% · 4.625%
HK$15,978
+HK$917/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,122/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,767
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,190
−HK$429/mo
Today · 4.125%
HK$16,619
baseline
▲ 0.50% · 4.625%
HK$17,495
+HK$876/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,238/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$156,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,007
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,536
−HK$538/mo
Today · 4.125%
HK$18,074
baseline
▲ 0.50% · 4.625%
HK$19,173
+HK$1,099/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,148/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,920
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,428
−HK$514/mo
Today · 4.125%
HK$19,942
baseline
▲ 0.50% · 4.625%
HK$20,994
+HK$1,052/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,884/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,842
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,459
−HK$627/mo
Today · 4.125%
HK$21,086
baseline
▲ 0.50% · 4.625%
HK$22,369
+HK$1,283/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$42,172/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,074
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,666
−HK$600/mo
Today · 4.125%
HK$23,266
baseline
▲ 0.50% · 4.625%
HK$24,492
+HK$1,226/mo
Deposit HK$1.86M · loan HK$4.35M · min. income ≈ HK$46,532/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,511
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,304
−HK$806/mo
Today · 4.125%
HK$27,110
baseline
▲ 0.50% · 4.625%
HK$28,760
+HK$1,650/mo
Deposit HK$622K · loan HK$5.59M · min. income ≈ HK$54,220/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$156,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,380
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,141
−HK$773/mo
Today · 4.125%
HK$29,914
baseline
▲ 0.50% · 4.625%
HK$31,490
+HK$1,576/mo
Deposit HK$622K · loan HK$5.59M · min. income ≈ HK$59,828/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$156,533 · 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).