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$14,296
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,741
−HK$452/mo
Today · 4.125%
HK$15,193
baseline
▲ 0.50% · 4.625%
HK$16,117
+HK$924/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,386/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$161,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,904
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,331
−HK$433/mo
Today · 4.125%
HK$16,764
baseline
▲ 0.50% · 4.625%
HK$17,647
+HK$883/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,528/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$161,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,155
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,689
−HK$542/mo
Today · 4.125%
HK$18,231
baseline
▲ 0.50% · 4.625%
HK$19,341
+HK$1,110/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$36,462/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,085
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,597
−HK$519/mo
Today · 4.125%
HK$20,116
baseline
▲ 0.50% · 4.625%
HK$21,177
+HK$1,061/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,232/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,015
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,637
−HK$633/mo
Today · 4.125%
HK$21,270
baseline
▲ 0.50% · 4.625%
HK$22,564
+HK$1,294/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,540/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,266
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,863
−HK$606/mo
Today · 4.125%
HK$23,469
baseline
▲ 0.50% · 4.625%
HK$24,706
+HK$1,237/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,938/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,733
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,534
−HK$813/mo
Today · 4.125%
HK$27,347
baseline
▲ 0.50% · 4.625%
HK$29,011
+HK$1,664/mo
Deposit HK$627K · loan HK$5.64M · min. income ≈ HK$54,694/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$161,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,628
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,396
−HK$778/mo
Today · 4.125%
HK$30,174
baseline
▲ 0.50% · 4.625%
HK$31,765
+HK$1,591/mo
Deposit HK$627K · loan HK$5.64M · min. income ≈ HK$60,348/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$161,955 · 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).