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$15,377
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,855
−HK$486/mo
Today · 4.125%
HK$16,341
baseline
▲ 0.50% · 4.625%
HK$17,336
+HK$995/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,682/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,107
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,565
−HK$466/mo
Today · 4.125%
HK$18,031
baseline
▲ 0.50% · 4.625%
HK$18,981
+HK$950/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,062/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,452
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,026
−HK$583/mo
Today · 4.125%
HK$19,609
baseline
▲ 0.50% · 4.625%
HK$20,803
+HK$1,194/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$39,218/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,528
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,079
−HK$558/mo
Today · 4.125%
HK$21,637
baseline
▲ 0.50% · 4.625%
HK$22,778
+HK$1,141/mo
Deposit HK$2.70M · loan HK$4.05M · min. income ≈ HK$43,274/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,528
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,197
−HK$681/mo
Today · 4.125%
HK$22,878
baseline
▲ 0.50% · 4.625%
HK$24,270
+HK$1,392/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,756/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,949
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,592
−HK$651/mo
Today · 4.125%
HK$25,243
baseline
▲ 0.50% · 4.625%
HK$26,574
+HK$1,331/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,486/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$202,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,678
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,539
−HK$875/mo
Today · 4.125%
HK$29,414
baseline
▲ 0.50% · 4.625%
HK$31,204
+HK$1,790/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$58,828/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,792
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,618
−HK$838/mo
Today · 4.125%
HK$32,456
baseline
▲ 0.50% · 4.625%
HK$34,166
+HK$1,710/mo
Deposit HK$674K · loan HK$6.07M · min. income ≈ HK$64,912/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$202,306 · 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).