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$14,122
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,561
−HK$447/mo
Today · 4.125%
HK$15,008
baseline
▲ 0.50% · 4.625%
HK$15,921
+HK$913/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$30,016/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,711
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,132
−HK$427/mo
Today · 4.125%
HK$16,559
baseline
▲ 0.50% · 4.625%
HK$17,432
+HK$873/mo
Deposit HK$3.10M · loan HK$3.10M · min. income ≈ HK$33,118/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$154,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,946
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,474
−HK$535/mo
Today · 4.125%
HK$18,009
baseline
▲ 0.50% · 4.625%
HK$19,105
+HK$1,096/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$36,018/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,853
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,358
−HK$513/mo
Today · 4.125%
HK$19,871
baseline
▲ 0.50% · 4.625%
HK$20,919
+HK$1,048/mo
Deposit HK$2.48M · loan HK$3.72M · min. income ≈ HK$39,742/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$154,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,771
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,386
−HK$625/mo
Today · 4.125%
HK$21,011
baseline
▲ 0.50% · 4.625%
HK$22,289
+HK$1,278/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$42,022/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,995
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,585
−HK$598/mo
Today · 4.125%
HK$23,183
baseline
▲ 0.50% · 4.625%
HK$24,405
+HK$1,222/mo
Deposit HK$1.86M · loan HK$4.34M · min. income ≈ HK$46,366/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$154,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,420
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,210
−HK$804/mo
Today · 4.125%
HK$27,014
baseline
▲ 0.50% · 4.625%
HK$28,657
+HK$1,643/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$54,028/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,279
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,038
−HK$769/mo
Today · 4.125%
HK$29,807
baseline
▲ 0.50% · 4.625%
HK$31,378
+HK$1,571/mo
Deposit HK$619K · loan HK$5.57M · min. income ≈ HK$59,614/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$154,318 · 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).