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$15,213
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,686
−HK$481/mo
Today · 4.125%
HK$16,167
baseline
▲ 0.50% · 4.625%
HK$17,151
+HK$984/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$32,334/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,925
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,378
−HK$461/mo
Today · 4.125%
HK$17,839
baseline
▲ 0.50% · 4.625%
HK$18,779
+HK$940/mo
Deposit HK$3.34M · loan HK$3.34M · min. income ≈ HK$35,678/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$200,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,256
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,824
−HK$577/mo
Today · 4.125%
HK$19,401
baseline
▲ 0.50% · 4.625%
HK$20,581
+HK$1,180/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$38,802/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,309
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,854
−HK$553/mo
Today · 4.125%
HK$21,407
baseline
▲ 0.50% · 4.625%
HK$22,535
+HK$1,128/mo
Deposit HK$2.67M · loan HK$4.00M · min. income ≈ HK$42,814/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$200,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,298
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,961
−HK$673/mo
Today · 4.125%
HK$22,634
baseline
▲ 0.50% · 4.625%
HK$24,011
+HK$1,377/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$45,268/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,694
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,330
−HK$644/mo
Today · 4.125%
HK$24,974
baseline
▲ 0.50% · 4.625%
HK$26,291
+HK$1,317/mo
Deposit HK$2.00M · loan HK$4.67M · min. income ≈ HK$49,948/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$200,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,384
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,236
−HK$865/mo
Today · 4.125%
HK$29,101
baseline
▲ 0.50% · 4.625%
HK$30,872
+HK$1,771/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$58,202/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,464
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,281
−HK$829/mo
Today · 4.125%
HK$32,110
baseline
▲ 0.50% · 4.625%
HK$33,803
+HK$1,693/mo
Deposit HK$667K · loan HK$6.00M · min. income ≈ HK$64,220/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$200,152 · 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).