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$14,182
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,623
−HK$449/mo
Today · 4.125%
HK$15,072
baseline
▲ 0.50% · 4.625%
HK$15,989
+HK$917/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$30,144/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$156,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,778
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,201
−HK$429/mo
Today · 4.125%
HK$16,630
baseline
▲ 0.50% · 4.625%
HK$17,507
+HK$877/mo
Deposit HK$3.11M · loan HK$3.11M · min. income ≈ HK$33,260/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$156,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,019
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,548
−HK$538/mo
Today · 4.125%
HK$18,086
baseline
▲ 0.50% · 4.625%
HK$19,186
+HK$1,100/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$36,172/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,933
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,441
−HK$515/mo
Today · 4.125%
HK$19,956
baseline
▲ 0.50% · 4.625%
HK$21,008
+HK$1,052/mo
Deposit HK$2.49M · loan HK$3.73M · min. income ≈ HK$39,912/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$156,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,855
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,473
−HK$627/mo
Today · 4.125%
HK$21,100
baseline
▲ 0.50% · 4.625%
HK$22,384
+HK$1,284/mo
Deposit HK$1.87M · loan HK$4.35M · min. income ≈ HK$42,200/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,089
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,681
−HK$601/mo
Today · 4.125%
HK$23,282
baseline
▲ 0.50% · 4.625%
HK$24,509
+HK$1,227/mo
Deposit HK$1.87M · loan HK$4.35M · min. income ≈ HK$46,564/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$156,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,528
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,322
−HK$807/mo
Today · 4.125%
HK$27,129
baseline
▲ 0.50% · 4.625%
HK$28,780
+HK$1,651/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$54,258/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$156,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,400
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,161
−HK$773/mo
Today · 4.125%
HK$29,934
baseline
▲ 0.50% · 4.625%
HK$31,512
+HK$1,578/mo
Deposit HK$622K · loan HK$5.60M · min. income ≈ HK$59,868/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$156,958 · 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).