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$13,885
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,317
−HK$439/mo
Today · 4.125%
HK$14,756
baseline
▲ 0.50% · 4.625%
HK$15,653
+HK$897/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,512/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,447
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,861
−HK$420/mo
Today · 4.125%
HK$16,281
baseline
▲ 0.50% · 4.625%
HK$17,140
+HK$859/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,562/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$143,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,662
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,180
−HK$527/mo
Today · 4.125%
HK$17,707
baseline
▲ 0.50% · 4.625%
HK$18,784
+HK$1,077/mo
Deposit HK$2.44M · loan HK$3.65M · min. income ≈ HK$35,414/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,536
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,033
−HK$505/mo
Today · 4.125%
HK$19,538
baseline
▲ 0.50% · 4.625%
HK$20,567
+HK$1,029/mo
Deposit HK$2.44M · loan HK$3.65M · min. income ≈ HK$39,076/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$143,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,439
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,044
−HK$614/mo
Today · 4.125%
HK$20,658
baseline
▲ 0.50% · 4.625%
HK$21,915
+HK$1,257/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$41,316/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,626
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,206
−HK$588/mo
Today · 4.125%
HK$22,794
baseline
▲ 0.50% · 4.625%
HK$23,995
+HK$1,201/mo
Deposit HK$1.83M · loan HK$4.26M · min. income ≈ HK$45,588/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$143,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,993
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,770
−HK$790/mo
Today · 4.125%
HK$26,560
baseline
▲ 0.50% · 4.625%
HK$28,176
+HK$1,616/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$53,120/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$143,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,804
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,550
−HK$756/mo
Today · 4.125%
HK$29,306
baseline
▲ 0.50% · 4.625%
HK$30,851
+HK$1,545/mo
Deposit HK$609K · loan HK$5.48M · min. income ≈ HK$58,612/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$143,918 · 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).