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$15,257
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,732
−HK$482/mo
Today · 4.125%
HK$16,214
baseline
▲ 0.50% · 4.625%
HK$17,200
+HK$986/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,428/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,973
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,428
−HK$462/mo
Today · 4.125%
HK$17,890
baseline
▲ 0.50% · 4.625%
HK$18,833
+HK$943/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,780/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$200,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,308
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,878
−HK$579/mo
Today · 4.125%
HK$19,457
baseline
▲ 0.50% · 4.625%
HK$20,640
+HK$1,183/mo
Deposit HK$2.68M · loan HK$4.01M · min. income ≈ HK$38,914/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,368
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,914
−HK$554/mo
Today · 4.125%
HK$21,468
baseline
▲ 0.50% · 4.625%
HK$22,600
+HK$1,132/mo
Deposit HK$2.68M · loan HK$4.01M · min. income ≈ HK$42,936/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$200,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,360
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,024
−HK$675/mo
Today · 4.125%
HK$22,699
baseline
▲ 0.50% · 4.625%
HK$24,080
+HK$1,381/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$45,398/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,763
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,400
−HK$646/mo
Today · 4.125%
HK$25,046
baseline
▲ 0.50% · 4.625%
HK$26,367
+HK$1,321/mo
Deposit HK$2.01M · loan HK$4.68M · min. income ≈ HK$50,092/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$200,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,463
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,317
−HK$868/mo
Today · 4.125%
HK$29,185
baseline
▲ 0.50% · 4.625%
HK$30,961
+HK$1,776/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$58,370/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,552
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,371
−HK$832/mo
Today · 4.125%
HK$32,203
baseline
▲ 0.50% · 4.625%
HK$33,900
+HK$1,697/mo
Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$64,406/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,728 · 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).