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$14,138
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,578
−HK$447/mo
Today · 4.125%
HK$15,025
baseline
▲ 0.50% · 4.625%
HK$15,939
+HK$914/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,050/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,729
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,151
−HK$428/mo
Today · 4.125%
HK$16,579
baseline
▲ 0.50% · 4.625%
HK$17,452
+HK$873/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,158/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,966
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,494
−HK$536/mo
Today · 4.125%
HK$18,030
baseline
▲ 0.50% · 4.625%
HK$19,127
+HK$1,097/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,060/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,875
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,381
−HK$513/mo
Today · 4.125%
HK$19,894
baseline
▲ 0.50% · 4.625%
HK$20,943
+HK$1,049/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,788/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,794
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,409
−HK$626/mo
Today · 4.125%
HK$21,035
baseline
▲ 0.50% · 4.625%
HK$22,315
+HK$1,280/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,070/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,020
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,611
−HK$599/mo
Today · 4.125%
HK$23,210
baseline
▲ 0.50% · 4.625%
HK$24,433
+HK$1,223/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,420/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,449
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,241
−HK$804/mo
Today · 4.125%
HK$27,045
baseline
▲ 0.50% · 4.625%
HK$28,691
+HK$1,646/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$54,090/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$155,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,312
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,071
−HK$770/mo
Today · 4.125%
HK$29,841
baseline
▲ 0.50% · 4.625%
HK$31,414
+HK$1,573/mo
Deposit HK$620K · loan HK$5.58M · min. income ≈ HK$59,682/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$155,033 · 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).