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$15,101
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,570
−HK$478/mo
Today · 4.125%
HK$16,048
baseline
▲ 0.50% · 4.625%
HK$17,024
+HK$976/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$32,096/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,799
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,250
−HK$457/mo
Today · 4.125%
HK$17,707
baseline
▲ 0.50% · 4.625%
HK$18,640
+HK$933/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,414/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,121
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,685
−HK$572/mo
Today · 4.125%
HK$19,257
baseline
▲ 0.50% · 4.625%
HK$20,429
+HK$1,172/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,514/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,159
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,700
−HK$548/mo
Today · 4.125%
HK$21,248
baseline
▲ 0.50% · 4.625%
HK$22,368
+HK$1,120/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,496/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,141
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,799
−HK$668/mo
Today · 4.125%
HK$22,467
baseline
▲ 0.50% · 4.625%
HK$23,834
+HK$1,367/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,934/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$197,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,519
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,150
−HK$640/mo
Today · 4.125%
HK$24,790
baseline
▲ 0.50% · 4.625%
HK$26,097
+HK$1,307/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,580/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$197,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,181
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,027
−HK$859/mo
Today · 4.125%
HK$28,886
baseline
▲ 0.50% · 4.625%
HK$30,643
+HK$1,757/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$57,772/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$197,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,239
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,050
−HK$823/mo
Today · 4.125%
HK$31,873
baseline
▲ 0.50% · 4.625%
HK$33,553
+HK$1,680/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$63,746/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$197,239 · 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).