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$13,994
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,429
−HK$443/mo
Today · 4.125%
HK$14,872
baseline
▲ 0.50% · 4.625%
HK$15,777
+HK$905/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$29,744/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,568
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,986
−HK$423/mo
Today · 4.125%
HK$16,409
baseline
▲ 0.50% · 4.625%
HK$17,274
+HK$865/mo
Deposit HK$3.07M · loan HK$3.07M · min. income ≈ HK$32,818/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$148,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,793
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,315
−HK$531/mo
Today · 4.125%
HK$17,846
baseline
▲ 0.50% · 4.625%
HK$18,932
+HK$1,086/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$35,692/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,682
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,183
−HK$508/mo
Today · 4.125%
HK$19,691
baseline
▲ 0.50% · 4.625%
HK$20,729
+HK$1,038/mo
Deposit HK$2.45M · loan HK$3.68M · min. income ≈ HK$39,382/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$148,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,592
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,201
−HK$619/mo
Today · 4.125%
HK$20,820
baseline
▲ 0.50% · 4.625%
HK$22,087
+HK$1,267/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$41,640/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,796
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,380
−HK$593/mo
Today · 4.125%
HK$22,973
baseline
▲ 0.50% · 4.625%
HK$24,184
+HK$1,211/mo
Deposit HK$1.84M · loan HK$4.30M · min. income ≈ HK$45,946/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$148,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,189
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,973
−HK$796/mo
Today · 4.125%
HK$26,769
baseline
▲ 0.50% · 4.625%
HK$28,398
+HK$1,629/mo
Deposit HK$614K · loan HK$5.52M · min. income ≈ HK$53,538/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$148,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,023
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,775
−HK$762/mo
Today · 4.125%
HK$29,537
baseline
▲ 0.50% · 4.625%
HK$31,094
+HK$1,557/mo
Deposit HK$614K · loan HK$5.52M · min. income ≈ HK$59,074/mo (50% DSR)
Upfront cash ≈ HK$762K (deposit + AVD stamp duty HK$148,710 · 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).