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$14,628
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,083
−HK$462/mo
Today · 4.125%
HK$15,545
baseline
▲ 0.50% · 4.625%
HK$16,491
+HK$946/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,090/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,273
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,709
−HK$443/mo
Today · 4.125%
HK$17,152
baseline
▲ 0.50% · 4.625%
HK$18,056
+HK$904/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,304/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,553
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,099
−HK$555/mo
Today · 4.125%
HK$18,654
baseline
▲ 0.50% · 4.625%
HK$19,789
+HK$1,135/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,308/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,528
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,051
−HK$532/mo
Today · 4.125%
HK$20,583
baseline
▲ 0.50% · 4.625%
HK$21,668
+HK$1,085/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,166/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,479
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,116
−HK$647/mo
Today · 4.125%
HK$21,763
baseline
▲ 0.50% · 4.625%
HK$23,087
+HK$1,324/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,526/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,782
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,393
−HK$620/mo
Today · 4.125%
HK$24,013
baseline
▲ 0.50% · 4.625%
HK$25,279
+HK$1,266/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$48,026/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,330
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,149
−HK$832/mo
Today · 4.125%
HK$27,981
baseline
▲ 0.50% · 4.625%
HK$29,683
+HK$1,702/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,962/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,291
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,077
−HK$797/mo
Today · 4.125%
HK$30,874
baseline
▲ 0.50% · 4.625%
HK$32,501
+HK$1,627/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,748/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,486 · 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).