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$14,115
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,555
−HK$446/mo
Today · 4.125%
HK$15,001
baseline
▲ 0.50% · 4.625%
HK$15,913
+HK$912/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,002/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,703
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,124
−HK$428/mo
Today · 4.125%
HK$16,552
baseline
▲ 0.50% · 4.625%
HK$17,424
+HK$872/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,104/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,939
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,465
−HK$536/mo
Today · 4.125%
HK$18,001
baseline
▲ 0.50% · 4.625%
HK$19,096
+HK$1,095/mo
Deposit HK$2.48M · loan HK$3.71M · min. income ≈ HK$36,002/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,844
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,349
−HK$513/mo
Today · 4.125%
HK$19,862
baseline
▲ 0.50% · 4.625%
HK$20,909
+HK$1,047/mo
Deposit HK$2.48M · loan HK$3.71M · min. income ≈ HK$39,724/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,762
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,376
−HK$625/mo
Today · 4.125%
HK$21,001
baseline
▲ 0.50% · 4.625%
HK$22,279
+HK$1,278/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$42,002/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,985
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,574
−HK$598/mo
Today · 4.125%
HK$23,172
baseline
▲ 0.50% · 4.625%
HK$24,394
+HK$1,222/mo
Deposit HK$1.86M · loan HK$4.33M · min. income ≈ HK$46,344/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,408
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,198
−HK$803/mo
Today · 4.125%
HK$27,001
baseline
▲ 0.50% · 4.625%
HK$28,644
+HK$1,643/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$54,002/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$154,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,266
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,024
−HK$769/mo
Today · 4.125%
HK$29,793
baseline
▲ 0.50% · 4.625%
HK$31,363
+HK$1,570/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$59,586/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$154,029 · 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).