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$14,010
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,446
−HK$443/mo
Today · 4.125%
HK$14,889
baseline
▲ 0.50% · 4.625%
HK$15,794
+HK$905/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,778/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,586
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,004
−HK$424/mo
Today · 4.125%
HK$16,428
baseline
▲ 0.50% · 4.625%
HK$17,294
+HK$866/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,856/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$149,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,812
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,335
−HK$531/mo
Today · 4.125%
HK$17,866
baseline
▲ 0.50% · 4.625%
HK$18,953
+HK$1,087/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,732/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,703
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,205
−HK$509/mo
Today · 4.125%
HK$19,714
baseline
▲ 0.50% · 4.625%
HK$20,753
+HK$1,039/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,428/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$149,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,614
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,224
−HK$620/mo
Today · 4.125%
HK$20,844
baseline
▲ 0.50% · 4.625%
HK$22,112
+HK$1,268/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,688/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,820
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,406
−HK$593/mo
Today · 4.125%
HK$22,999
baseline
▲ 0.50% · 4.625%
HK$24,212
+HK$1,213/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$45,998/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$149,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,218
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$26,002
−HK$797/mo
Today · 4.125%
HK$26,799
baseline
▲ 0.50% · 4.625%
HK$28,430
+HK$1,631/mo
Deposit HK$614K · loan HK$5.53M · min. income ≈ HK$53,598/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$149,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,055
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,807
−HK$763/mo
Today · 4.125%
HK$29,570
baseline
▲ 0.50% · 4.625%
HK$31,129
+HK$1,559/mo
Deposit HK$614K · loan HK$5.53M · min. income ≈ HK$59,140/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$149,404 · 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).