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$13,755
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,183
−HK$435/mo
Today · 4.125%
HK$14,618
baseline
▲ 0.50% · 4.625%
HK$15,508
+HK$890/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$29,236/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$138,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,303
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,713
−HK$417/mo
Today · 4.125%
HK$16,130
baseline
▲ 0.50% · 4.625%
HK$16,980
+HK$850/mo
Deposit HK$3.02M · loan HK$3.02M · min. income ≈ HK$32,260/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$138,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,507
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,020
−HK$522/mo
Today · 4.125%
HK$17,542
baseline
▲ 0.50% · 4.625%
HK$18,609
+HK$1,067/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$35,084/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,363
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,856
−HK$500/mo
Today · 4.125%
HK$19,356
baseline
▲ 0.50% · 4.625%
HK$20,376
+HK$1,020/mo
Deposit HK$2.41M · loan HK$3.62M · min. income ≈ HK$38,712/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$138,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,258
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,857
−HK$608/mo
Today · 4.125%
HK$20,465
baseline
▲ 0.50% · 4.625%
HK$21,711
+HK$1,246/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$40,930/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,424
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,999
−HK$582/mo
Today · 4.125%
HK$22,581
baseline
▲ 0.50% · 4.625%
HK$23,772
+HK$1,191/mo
Deposit HK$1.81M · loan HK$4.22M · min. income ≈ HK$45,162/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$138,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,760
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,530
−HK$783/mo
Today · 4.125%
HK$26,313
baseline
▲ 0.50% · 4.625%
HK$27,914
+HK$1,601/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$52,626/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$138,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,545
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,284
−HK$749/mo
Today · 4.125%
HK$29,033
baseline
▲ 0.50% · 4.625%
HK$30,564
+HK$1,531/mo
Deposit HK$603K · loan HK$5.43M · min. income ≈ HK$58,066/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$138,243 · 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).