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$15,811
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,303
−HK$500/mo
Today · 4.125%
HK$16,803
baseline
▲ 0.50% · 4.625%
HK$17,825
+HK$1,022/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$33,606/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,590
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,062
−HK$478/mo
Today · 4.125%
HK$18,540
baseline
▲ 0.50% · 4.625%
HK$19,518
+HK$978/mo
Deposit HK$3.47M · loan HK$3.47M · min. income ≈ HK$37,080/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$208,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,974
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,564
−HK$599/mo
Today · 4.125%
HK$20,163
baseline
▲ 0.50% · 4.625%
HK$21,390
+HK$1,227/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,326/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,108
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,674
−HK$574/mo
Today · 4.125%
HK$22,248
baseline
▲ 0.50% · 4.625%
HK$23,421
+HK$1,173/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,496/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$208,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,136
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,824
−HK$700/mo
Today · 4.125%
HK$23,524
baseline
▲ 0.50% · 4.625%
HK$24,955
+HK$1,431/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,048/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,626
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,286
−HK$670/mo
Today · 4.125%
HK$25,956
baseline
▲ 0.50% · 4.625%
HK$27,325
+HK$1,369/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,912/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$208,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,460
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,346
−HK$899/mo
Today · 4.125%
HK$30,245
baseline
▲ 0.50% · 4.625%
HK$32,086
+HK$1,841/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$60,490/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$208,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,662
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,511
−HK$862/mo
Today · 4.125%
HK$33,373
baseline
▲ 0.50% · 4.625%
HK$35,132
+HK$1,759/mo
Deposit HK$693K · loan HK$6.24M · min. income ≈ HK$66,746/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$208,021 · 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).