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$13,742
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,170
−HK$434/mo
Today · 4.125%
HK$14,604
baseline
▲ 0.50% · 4.625%
HK$15,493
+HK$889/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$29,208/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,288
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,698
−HK$416/mo
Today · 4.125%
HK$16,114
baseline
▲ 0.50% · 4.625%
HK$16,963
+HK$849/mo
Deposit HK$3.01M · loan HK$3.01M · min. income ≈ HK$32,228/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$137,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,491
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,004
−HK$521/mo
Today · 4.125%
HK$17,525
baseline
▲ 0.50% · 4.625%
HK$18,591
+HK$1,066/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,050/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,346
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,838
−HK$499/mo
Today · 4.125%
HK$19,337
baseline
▲ 0.50% · 4.625%
HK$20,356
+HK$1,019/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,674/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$137,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,239
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,837
−HK$608/mo
Today · 4.125%
HK$20,445
baseline
▲ 0.50% · 4.625%
HK$21,690
+HK$1,245/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,890/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,403
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,977
−HK$583/mo
Today · 4.125%
HK$22,560
baseline
▲ 0.50% · 4.625%
HK$23,749
+HK$1,189/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,120/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$137,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,736
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,505
−HK$782/mo
Today · 4.125%
HK$26,287
baseline
▲ 0.50% · 4.625%
HK$27,887
+HK$1,600/mo
Deposit HK$603K · loan HK$5.42M · min. income ≈ HK$52,574/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,518
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,256
−HK$749/mo
Today · 4.125%
HK$29,005
baseline
▲ 0.50% · 4.625%
HK$30,534
+HK$1,529/mo
Deposit HK$603K · loan HK$5.42M · min. income ≈ HK$58,010/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$137,659 · 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).