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$14,025
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,461
−HK$444/mo
Today · 4.125%
HK$14,905
baseline
▲ 0.50% · 4.625%
HK$15,812
+HK$907/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$29,810/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,603
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,021
−HK$425/mo
Today · 4.125%
HK$16,446
baseline
▲ 0.50% · 4.625%
HK$17,313
+HK$867/mo
Deposit HK$3.08M · loan HK$3.08M · min. income ≈ HK$32,892/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$150,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,830
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,354
−HK$532/mo
Today · 4.125%
HK$17,886
baseline
▲ 0.50% · 4.625%
HK$18,974
+HK$1,088/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$35,772/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,723
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,226
−HK$509/mo
Today · 4.125%
HK$19,735
baseline
▲ 0.50% · 4.625%
HK$20,775
+HK$1,040/mo
Deposit HK$2.46M · loan HK$3.69M · min. income ≈ HK$39,470/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$150,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,635
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,246
−HK$620/mo
Today · 4.125%
HK$20,866
baseline
▲ 0.50% · 4.625%
HK$22,136
+HK$1,270/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$41,732/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,844
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,430
−HK$594/mo
Today · 4.125%
HK$23,024
baseline
▲ 0.50% · 4.625%
HK$24,238
+HK$1,214/mo
Deposit HK$1.85M · loan HK$4.31M · min. income ≈ HK$46,048/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$150,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,245
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,031
−HK$797/mo
Today · 4.125%
HK$26,828
baseline
▲ 0.50% · 4.625%
HK$28,461
+HK$1,633/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$53,656/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$150,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,085
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,838
−HK$764/mo
Today · 4.125%
HK$29,602
baseline
▲ 0.50% · 4.625%
HK$31,163
+HK$1,561/mo
Deposit HK$615K · loan HK$5.54M · min. income ≈ HK$59,204/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$150,069 · 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).