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$14,652
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,108
−HK$463/mo
Today · 4.125%
HK$15,571
baseline
▲ 0.50% · 4.625%
HK$16,519
+HK$948/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,142/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,301
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,738
−HK$443/mo
Today · 4.125%
HK$17,181
baseline
▲ 0.50% · 4.625%
HK$18,087
+HK$906/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,362/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$177,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,583
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,130
−HK$555/mo
Today · 4.125%
HK$18,685
baseline
▲ 0.50% · 4.625%
HK$19,822
+HK$1,137/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$37,370/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,561
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,085
−HK$533/mo
Today · 4.125%
HK$20,618
baseline
▲ 0.50% · 4.625%
HK$21,704
+HK$1,086/mo
Deposit HK$2.57M · loan HK$3.86M · min. income ≈ HK$41,236/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$177,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,513
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,151
−HK$649/mo
Today · 4.125%
HK$21,800
baseline
▲ 0.50% · 4.625%
HK$23,126
+HK$1,326/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$43,600/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,821
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,433
−HK$621/mo
Today · 4.125%
HK$24,054
baseline
▲ 0.50% · 4.625%
HK$25,322
+HK$1,268/mo
Deposit HK$1.93M · loan HK$4.50M · min. income ≈ HK$48,108/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$177,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,374
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,195
−HK$833/mo
Today · 4.125%
HK$28,028
baseline
▲ 0.50% · 4.625%
HK$29,734
+HK$1,706/mo
Deposit HK$643K · loan HK$5.78M · min. income ≈ HK$56,056/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,341
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,128
−HK$798/mo
Today · 4.125%
HK$30,926
baseline
▲ 0.50% · 4.625%
HK$32,556
+HK$1,630/mo
Deposit HK$643K · loan HK$5.78M · min. income ≈ HK$61,852/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$177,575 · 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).