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$15,537
−HK$974/mo
▼ 0.25% · 3.875%
HK$16,020
−HK$491/mo
Today · 4.125%
HK$16,511
baseline
▲ 0.50% · 4.625%
HK$17,516
+HK$1,005/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$33,022/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,285
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,748
−HK$471/mo
Today · 4.125%
HK$18,219
baseline
▲ 0.50% · 4.625%
HK$19,179
+HK$960/mo
Deposit HK$3.41M · loan HK$3.41M · min. income ≈ HK$36,438/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,645
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,224
−HK$590/mo
Today · 4.125%
HK$19,814
baseline
▲ 0.50% · 4.625%
HK$21,019
+HK$1,205/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$39,628/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,742
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,298
−HK$564/mo
Today · 4.125%
HK$21,862
baseline
▲ 0.50% · 4.625%
HK$23,015
+HK$1,153/mo
Deposit HK$2.73M · loan HK$4.09M · min. income ≈ HK$43,724/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,752
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,429
−HK$687/mo
Today · 4.125%
HK$23,116
baseline
▲ 0.50% · 4.625%
HK$24,523
+HK$1,407/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$46,232/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,199
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,848
−HK$658/mo
Today · 4.125%
HK$25,506
baseline
▲ 0.50% · 4.625%
HK$26,851
+HK$1,345/mo
Deposit HK$2.04M · loan HK$4.77M · min. income ≈ HK$51,012/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,967
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,837
−HK$884/mo
Today · 4.125%
HK$29,721
baseline
▲ 0.50% · 4.625%
HK$31,529
+HK$1,808/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$59,442/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,113
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,947
−HK$847/mo
Today · 4.125%
HK$32,794
baseline
▲ 0.50% · 4.625%
HK$34,522
+HK$1,728/mo
Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$65,588/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,413 · 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).