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$15,365
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,843
−HK$486/mo
Today · 4.125%
HK$16,329
baseline
▲ 0.50% · 4.625%
HK$17,322
+HK$993/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,658/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,093
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,552
−HK$465/mo
Today · 4.125%
HK$18,017
baseline
▲ 0.50% · 4.625%
HK$18,967
+HK$950/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,034/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,438
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,012
−HK$582/mo
Today · 4.125%
HK$19,594
baseline
▲ 0.50% · 4.625%
HK$20,787
+HK$1,193/mo
Deposit HK$2.70M · loan HK$4.04M · min. income ≈ HK$39,188/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,512
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,062
−HK$558/mo
Today · 4.125%
HK$21,620
baseline
▲ 0.50% · 4.625%
HK$22,760
+HK$1,140/mo
Deposit HK$2.70M · loan HK$4.04M · min. income ≈ HK$43,240/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,511
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,180
−HK$680/mo
Today · 4.125%
HK$22,860
baseline
▲ 0.50% · 4.625%
HK$24,251
+HK$1,391/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,720/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,931
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,573
−HK$651/mo
Today · 4.125%
HK$25,224
baseline
▲ 0.50% · 4.625%
HK$26,553
+HK$1,329/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,448/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,657
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,517
−HK$874/mo
Today · 4.125%
HK$29,391
baseline
▲ 0.50% · 4.625%
HK$31,180
+HK$1,789/mo
Deposit HK$674K · loan HK$6.06M · min. income ≈ HK$58,782/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,768
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,593
−HK$838/mo
Today · 4.125%
HK$32,431
baseline
▲ 0.50% · 4.625%
HK$34,140
+HK$1,709/mo
Deposit HK$674K · loan HK$6.06M · min. income ≈ HK$64,862/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,150 · 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).