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$15,826
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,318
−HK$501/mo
Today · 4.125%
HK$16,819
baseline
▲ 0.50% · 4.625%
HK$17,842
+HK$1,023/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,638/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,606
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,079
−HK$479/mo
Today · 4.125%
HK$18,558
baseline
▲ 0.50% · 4.625%
HK$19,536
+HK$978/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,116/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,991
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,582
−HK$600/mo
Today · 4.125%
HK$20,182
baseline
▲ 0.50% · 4.625%
HK$21,410
+HK$1,228/mo
Deposit HK$2.78M · loan HK$4.16M · min. income ≈ HK$40,364/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,128
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,694
−HK$575/mo
Today · 4.125%
HK$22,269
baseline
▲ 0.50% · 4.625%
HK$23,443
+HK$1,174/mo
Deposit HK$2.78M · loan HK$4.16M · min. income ≈ HK$44,538/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,157
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,846
−HK$700/mo
Today · 4.125%
HK$23,546
baseline
▲ 0.50% · 4.625%
HK$24,979
+HK$1,433/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$47,092/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,649
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,310
−HK$671/mo
Today · 4.125%
HK$25,981
baseline
▲ 0.50% · 4.625%
HK$27,350
+HK$1,369/mo
Deposit HK$2.08M · loan HK$4.86M · min. income ≈ HK$51,962/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,487
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,373
−HK$900/mo
Today · 4.125%
HK$30,273
baseline
▲ 0.50% · 4.625%
HK$32,116
+HK$1,843/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$60,546/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,692
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,542
−HK$862/mo
Today · 4.125%
HK$33,404
baseline
▲ 0.50% · 4.625%
HK$35,165
+HK$1,761/mo
Deposit HK$694K · loan HK$6.25M · min. income ≈ HK$66,808/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$208,216 · 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).