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$14,895
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,358
−HK$471/mo
Today · 4.125%
HK$15,829
baseline
▲ 0.50% · 4.625%
HK$16,792
+HK$963/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$31,658/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$188,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,570
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,015
−HK$450/mo
Today · 4.125%
HK$17,465
baseline
▲ 0.50% · 4.625%
HK$18,386
+HK$921/mo
Deposit HK$3.27M · loan HK$3.27M · min. income ≈ HK$34,930/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$188,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,874
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,430
−HK$564/mo
Today · 4.125%
HK$18,994
baseline
▲ 0.50% · 4.625%
HK$20,150
+HK$1,156/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$37,988/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,884
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,418
−HK$541/mo
Today · 4.125%
HK$20,959
baseline
▲ 0.50% · 4.625%
HK$22,063
+HK$1,104/mo
Deposit HK$2.61M · loan HK$3.92M · min. income ≈ HK$41,918/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$188,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,853
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,501
−HK$659/mo
Today · 4.125%
HK$22,160
baseline
▲ 0.50% · 4.625%
HK$23,509
+HK$1,349/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$44,320/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,198
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,820
−HK$632/mo
Today · 4.125%
HK$24,452
baseline
▲ 0.50% · 4.625%
HK$25,741
+HK$1,289/mo
Deposit HK$1.96M · loan HK$4.57M · min. income ≈ HK$48,904/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$188,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,810
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,644
−HK$848/mo
Today · 4.125%
HK$28,492
baseline
▲ 0.50% · 4.625%
HK$30,225
+HK$1,733/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$56,984/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$188,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,826
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,626
−HK$812/mo
Today · 4.125%
HK$31,438
baseline
▲ 0.50% · 4.625%
HK$33,095
+HK$1,657/mo
Deposit HK$653K · loan HK$5.88M · min. income ≈ HK$62,876/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$188,204 · 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).