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$13,956
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,390
−HK$441/mo
Today · 4.125%
HK$14,831
baseline
▲ 0.50% · 4.625%
HK$15,734
+HK$903/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,662/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,526
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,942
−HK$423/mo
Today · 4.125%
HK$16,365
baseline
▲ 0.50% · 4.625%
HK$17,227
+HK$862/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,730/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,747
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,268
−HK$529/mo
Today · 4.125%
HK$17,797
baseline
▲ 0.50% · 4.625%
HK$18,880
+HK$1,083/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,594/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,631
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,131
−HK$507/mo
Today · 4.125%
HK$19,638
baseline
▲ 0.50% · 4.625%
HK$20,673
+HK$1,035/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,276/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,538
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,146
−HK$618/mo
Today · 4.125%
HK$20,764
baseline
▲ 0.50% · 4.625%
HK$22,027
+HK$1,263/mo
Deposit HK$1.84M · loan HK$4.28M · min. income ≈ HK$41,528/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,736
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,319
−HK$592/mo
Today · 4.125%
HK$22,911
baseline
▲ 0.50% · 4.625%
HK$24,118
+HK$1,207/mo
Deposit HK$1.84M · loan HK$4.28M · min. income ≈ HK$45,822/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,121
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,902
−HK$794/mo
Today · 4.125%
HK$26,696
baseline
▲ 0.50% · 4.625%
HK$28,320
+HK$1,624/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$53,392/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$147,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,947
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,696
−HK$760/mo
Today · 4.125%
HK$29,456
baseline
▲ 0.50% · 4.625%
HK$31,009
+HK$1,553/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$58,912/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$147,034 · 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).