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$15,003
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,469
−HK$474/mo
Today · 4.125%
HK$15,943
baseline
▲ 0.50% · 4.625%
HK$16,913
+HK$970/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$31,886/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,690
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,138
−HK$454/mo
Today · 4.125%
HK$17,592
baseline
▲ 0.50% · 4.625%
HK$18,519
+HK$927/mo
Deposit HK$3.29M · loan HK$3.29M · min. income ≈ HK$35,184/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$192,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,003
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,563
−HK$569/mo
Today · 4.125%
HK$19,132
baseline
▲ 0.50% · 4.625%
HK$20,296
+HK$1,164/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$38,264/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,028
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,565
−HK$545/mo
Today · 4.125%
HK$21,110
baseline
▲ 0.50% · 4.625%
HK$22,223
+HK$1,113/mo
Deposit HK$2.63M · loan HK$3.95M · min. income ≈ HK$42,220/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$192,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,004
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,657
−HK$664/mo
Today · 4.125%
HK$22,321
baseline
▲ 0.50% · 4.625%
HK$23,679
+HK$1,358/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$44,642/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,366
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$23,993
−HK$636/mo
Today · 4.125%
HK$24,629
baseline
▲ 0.50% · 4.625%
HK$25,927
+HK$1,298/mo
Deposit HK$1.97M · loan HK$4.61M · min. income ≈ HK$49,258/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$192,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,005
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,845
−HK$853/mo
Today · 4.125%
HK$28,698
baseline
▲ 0.50% · 4.625%
HK$30,444
+HK$1,746/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$57,396/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$192,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,042
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,848
−HK$817/mo
Today · 4.125%
HK$31,665
baseline
▲ 0.50% · 4.625%
HK$33,335
+HK$1,670/mo
Deposit HK$658K · loan HK$5.92M · min. income ≈ HK$63,330/mo (50% DSR)
Upfront cash ≈ HK$851K (deposit + AVD stamp duty HK$192,933 · 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).