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$15,571
−HK$477/mo
Today · 4.125%
HK$16,048
baseline
▲ 0.50% · 4.625%
HK$17,025
+HK$977/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$197,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,800
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,251
−HK$457/mo
Today · 4.125%
HK$17,708
baseline
▲ 0.50% · 4.625%
HK$18,641
+HK$933/mo
Deposit HK$3.31M · loan HK$3.31M · min. income ≈ HK$35,416/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$197,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,122
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,685
−HK$573/mo
Today · 4.125%
HK$19,258
baseline
▲ 0.50% · 4.625%
HK$20,430
+HK$1,172/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$38,516/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,160
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,701
−HK$548/mo
Today · 4.125%
HK$21,249
baseline
▲ 0.50% · 4.625%
HK$22,369
+HK$1,120/mo
Deposit HK$2.65M · loan HK$3.97M · min. income ≈ HK$42,498/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$197,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,142
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,799
−HK$669/mo
Today · 4.125%
HK$22,468
baseline
▲ 0.50% · 4.625%
HK$23,835
+HK$1,367/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$44,936/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$197,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,520
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,151
−HK$640/mo
Today · 4.125%
HK$24,791
baseline
▲ 0.50% · 4.625%
HK$26,097
+HK$1,306/mo
Deposit HK$1.99M · loan HK$4.64M · min. income ≈ HK$49,582/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$197,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,182
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,028
−HK$859/mo
Today · 4.125%
HK$28,887
baseline
▲ 0.50% · 4.625%
HK$30,645
+HK$1,758/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$57,774/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,240
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,051
−HK$823/mo
Today · 4.125%
HK$31,874
baseline
▲ 0.50% · 4.625%
HK$33,554
+HK$1,680/mo
Deposit HK$662K · loan HK$5.96M · min. income ≈ HK$63,748/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$197,262 · 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).