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$14,149
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,589
−HK$448/mo
Today · 4.125%
HK$15,037
baseline
▲ 0.50% · 4.625%
HK$15,952
+HK$915/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,074/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,741
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,163
−HK$428/mo
Today · 4.125%
HK$16,591
baseline
▲ 0.50% · 4.625%
HK$17,466
+HK$875/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,182/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$155,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,979
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,507
−HK$537/mo
Today · 4.125%
HK$18,044
baseline
▲ 0.50% · 4.625%
HK$19,142
+HK$1,098/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,088/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,889
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,396
−HK$514/mo
Today · 4.125%
HK$19,910
baseline
▲ 0.50% · 4.625%
HK$20,959
+HK$1,049/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,820/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$155,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,809
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,425
−HK$626/mo
Today · 4.125%
HK$21,051
baseline
▲ 0.50% · 4.625%
HK$22,332
+HK$1,281/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,102/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,037
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,628
−HK$600/mo
Today · 4.125%
HK$23,228
baseline
▲ 0.50% · 4.625%
HK$24,452
+HK$1,224/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,456/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$155,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,469
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,261
−HK$805/mo
Today · 4.125%
HK$27,066
baseline
▲ 0.50% · 4.625%
HK$28,713
+HK$1,647/mo
Deposit HK$621K · loan HK$5.58M · min. income ≈ HK$54,132/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$155,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,334
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,094
−HK$771/mo
Today · 4.125%
HK$29,865
baseline
▲ 0.50% · 4.625%
HK$31,439
+HK$1,574/mo
Deposit HK$621K · loan HK$5.58M · min. income ≈ HK$59,730/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$155,517 · 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).