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$14,032
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,468
−HK$444/mo
Today · 4.125%
HK$14,912
baseline
▲ 0.50% · 4.625%
HK$15,819
+HK$907/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,824/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,610
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,029
−HK$425/mo
Today · 4.125%
HK$16,454
baseline
▲ 0.50% · 4.625%
HK$17,321
+HK$867/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,908/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,838
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,362
−HK$532/mo
Today · 4.125%
HK$17,894
baseline
▲ 0.50% · 4.625%
HK$18,983
+HK$1,089/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,788/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,732
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,235
−HK$509/mo
Today · 4.125%
HK$19,744
baseline
▲ 0.50% · 4.625%
HK$20,785
+HK$1,041/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,488/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,644
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,255
−HK$621/mo
Today · 4.125%
HK$20,876
baseline
▲ 0.50% · 4.625%
HK$22,147
+HK$1,271/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,752/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,854
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,440
−HK$595/mo
Today · 4.125%
HK$23,035
baseline
▲ 0.50% · 4.625%
HK$24,249
+HK$1,214/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,070/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,257
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,043
−HK$798/mo
Today · 4.125%
HK$26,841
baseline
▲ 0.50% · 4.625%
HK$28,474
+HK$1,633/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$53,682/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,098
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,852
−HK$764/mo
Today · 4.125%
HK$29,616
baseline
▲ 0.50% · 4.625%
HK$31,177
+HK$1,561/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$59,232/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$150,357 · 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).