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$14,609
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,064
−HK$461/mo
Today · 4.125%
HK$15,525
baseline
▲ 0.50% · 4.625%
HK$16,470
+HK$945/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,050/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,253
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,689
−HK$442/mo
Today · 4.125%
HK$17,131
baseline
▲ 0.50% · 4.625%
HK$18,034
+HK$903/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,262/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,531
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,076
−HK$554/mo
Today · 4.125%
HK$18,630
baseline
▲ 0.50% · 4.625%
HK$19,764
+HK$1,134/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,260/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,503
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,026
−HK$531/mo
Today · 4.125%
HK$20,557
baseline
▲ 0.50% · 4.625%
HK$21,640
+HK$1,083/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,114/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,453
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,089
−HK$647/mo
Today · 4.125%
HK$21,736
baseline
▲ 0.50% · 4.625%
HK$23,058
+HK$1,322/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,472/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,754
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,364
−HK$619/mo
Today · 4.125%
HK$23,983
baseline
▲ 0.50% · 4.625%
HK$25,247
+HK$1,264/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,966/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,297
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,115
−HK$831/mo
Today · 4.125%
HK$27,946
baseline
▲ 0.50% · 4.625%
HK$29,646
+HK$1,700/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,892/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$175,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,255
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,039
−HK$796/mo
Today · 4.125%
HK$30,835
baseline
▲ 0.50% · 4.625%
HK$32,461
+HK$1,626/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,670/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$175,686 · 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).