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$14,704
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,161
−HK$465/mo
Today · 4.125%
HK$15,626
baseline
▲ 0.50% · 4.625%
HK$16,576
+HK$950/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$31,252/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,358
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,796
−HK$445/mo
Today · 4.125%
HK$17,241
baseline
▲ 0.50% · 4.625%
HK$18,150
+HK$909/mo
Deposit HK$3.22M · loan HK$3.22M · min. income ≈ HK$34,482/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$179,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,644
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,193
−HK$558/mo
Today · 4.125%
HK$18,751
baseline
▲ 0.50% · 4.625%
HK$19,892
+HK$1,141/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$37,502/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,629
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,155
−HK$535/mo
Today · 4.125%
HK$20,690
baseline
▲ 0.50% · 4.625%
HK$21,780
+HK$1,090/mo
Deposit HK$2.58M · loan HK$3.87M · min. income ≈ HK$41,380/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$179,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,585
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,225
−HK$651/mo
Today · 4.125%
HK$21,876
baseline
▲ 0.50% · 4.625%
HK$23,207
+HK$1,331/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$43,752/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,901
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,515
−HK$623/mo
Today · 4.125%
HK$24,138
baseline
▲ 0.50% · 4.625%
HK$25,410
+HK$1,272/mo
Deposit HK$1.93M · loan HK$4.51M · min. income ≈ HK$48,276/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$179,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,466
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,290
−HK$836/mo
Today · 4.125%
HK$28,126
baseline
▲ 0.50% · 4.625%
HK$29,837
+HK$1,711/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$56,252/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$179,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,444
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,233
−HK$801/mo
Today · 4.125%
HK$31,034
baseline
▲ 0.50% · 4.625%
HK$32,670
+HK$1,636/mo
Deposit HK$645K · loan HK$5.80M · min. income ≈ HK$62,068/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$179,820 · 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).