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$14,189
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,631
−HK$448/mo
Today · 4.125%
HK$15,079
baseline
▲ 0.50% · 4.625%
HK$15,997
+HK$918/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,158/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,786
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,209
−HK$429/mo
Today · 4.125%
HK$16,638
baseline
▲ 0.50% · 4.625%
HK$17,515
+HK$877/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,276/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$157,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,027
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,557
−HK$538/mo
Today · 4.125%
HK$18,095
baseline
▲ 0.50% · 4.625%
HK$19,196
+HK$1,101/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,190/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,943
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,451
−HK$515/mo
Today · 4.125%
HK$19,966
baseline
▲ 0.50% · 4.625%
HK$21,019
+HK$1,053/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,932/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$157,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,865
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,483
−HK$628/mo
Today · 4.125%
HK$21,111
baseline
▲ 0.50% · 4.625%
HK$22,395
+HK$1,284/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$42,222/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,100
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,693
−HK$601/mo
Today · 4.125%
HK$23,294
baseline
▲ 0.50% · 4.625%
HK$24,522
+HK$1,228/mo
Deposit HK$1.87M · loan HK$4.36M · min. income ≈ HK$46,588/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$157,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,541
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$26,335
−HK$808/mo
Today · 4.125%
HK$27,143
baseline
▲ 0.50% · 4.625%
HK$28,794
+HK$1,651/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$54,286/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,414
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$29,176
−HK$773/mo
Today · 4.125%
HK$29,949
baseline
▲ 0.50% · 4.625%
HK$31,528
+HK$1,579/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$59,898/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$157,273 · 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).