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$14,233
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,676
−HK$449/mo
Today · 4.125%
HK$15,125
baseline
▲ 0.50% · 4.625%
HK$16,046
+HK$921/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$30,250/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,834
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,259
−HK$430/mo
Today · 4.125%
HK$16,689
baseline
▲ 0.50% · 4.625%
HK$17,569
+HK$880/mo
Deposit HK$3.12M · loan HK$3.12M · min. income ≈ HK$33,378/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$159,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,080
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,611
−HK$540/mo
Today · 4.125%
HK$18,151
baseline
▲ 0.50% · 4.625%
HK$19,255
+HK$1,104/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$36,302/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,001
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,510
−HK$517/mo
Today · 4.125%
HK$20,027
baseline
▲ 0.50% · 4.625%
HK$21,083
+HK$1,056/mo
Deposit HK$2.50M · loan HK$3.75M · min. income ≈ HK$40,054/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$159,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,926
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,546
−HK$630/mo
Today · 4.125%
HK$21,176
baseline
▲ 0.50% · 4.625%
HK$22,464
+HK$1,288/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$42,352/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,168
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,762
−HK$603/mo
Today · 4.125%
HK$23,365
baseline
▲ 0.50% · 4.625%
HK$24,597
+HK$1,232/mo
Deposit HK$1.87M · loan HK$4.37M · min. income ≈ HK$46,730/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$159,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,619
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,416
−HK$810/mo
Today · 4.125%
HK$27,226
baseline
▲ 0.50% · 4.625%
HK$28,882
+HK$1,656/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$54,452/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$159,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,501
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,266
−HK$775/mo
Today · 4.125%
HK$30,041
baseline
▲ 0.50% · 4.625%
HK$31,625
+HK$1,584/mo
Deposit HK$624K · loan HK$5.62M · min. income ≈ HK$60,082/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$159,182 · 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).