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$14,477
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,927
−HK$458/mo
Today · 4.125%
HK$15,385
baseline
▲ 0.50% · 4.625%
HK$16,321
+HK$936/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$30,770/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,106
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,538
−HK$438/mo
Today · 4.125%
HK$16,976
baseline
▲ 0.50% · 4.625%
HK$17,871
+HK$895/mo
Deposit HK$3.17M · loan HK$3.17M · min. income ≈ HK$33,952/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$169,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,373
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,913
−HK$549/mo
Today · 4.125%
HK$18,462
baseline
▲ 0.50% · 4.625%
HK$19,585
+HK$1,123/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,924/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,327
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,845
−HK$526/mo
Today · 4.125%
HK$20,371
baseline
▲ 0.50% · 4.625%
HK$21,445
+HK$1,074/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,742/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$169,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,268
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,898
−HK$641/mo
Today · 4.125%
HK$21,539
baseline
▲ 0.50% · 4.625%
HK$22,850
+HK$1,311/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$43,078/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,548
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,153
−HK$613/mo
Today · 4.125%
HK$23,766
baseline
▲ 0.50% · 4.625%
HK$25,019
+HK$1,253/mo
Deposit HK$1.90M · loan HK$4.44M · min. income ≈ HK$47,532/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$169,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,059
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,869
−HK$824/mo
Today · 4.125%
HK$27,693
baseline
▲ 0.50% · 4.625%
HK$29,378
+HK$1,685/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$55,386/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$169,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,990
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,768
−HK$789/mo
Today · 4.125%
HK$30,557
baseline
▲ 0.50% · 4.625%
HK$32,167
+HK$1,610/mo
Deposit HK$635K · loan HK$5.71M · min. income ≈ HK$61,114/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$169,892 · 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).