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$14,794
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,254
−HK$468/mo
Today · 4.125%
HK$15,722
baseline
▲ 0.50% · 4.625%
HK$16,679
+HK$957/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$31,444/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,458
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,900
−HK$448/mo
Today · 4.125%
HK$17,348
baseline
▲ 0.50% · 4.625%
HK$18,262
+HK$914/mo
Deposit HK$3.24M · loan HK$3.24M · min. income ≈ HK$34,696/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$183,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,753
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,305
−HK$561/mo
Today · 4.125%
HK$18,866
baseline
▲ 0.50% · 4.625%
HK$20,014
+HK$1,148/mo
Deposit HK$2.60M · loan HK$3.89M · min. income ≈ HK$37,732/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,750
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,280
−HK$537/mo
Today · 4.125%
HK$20,817
baseline
▲ 0.50% · 4.625%
HK$21,915
+HK$1,098/mo
Deposit HK$2.60M · loan HK$3.89M · min. income ≈ HK$41,634/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$183,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,712
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,356
−HK$655/mo
Today · 4.125%
HK$22,011
baseline
▲ 0.50% · 4.625%
HK$23,350
+HK$1,339/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$44,022/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,042
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,660
−HK$627/mo
Today · 4.125%
HK$24,287
baseline
▲ 0.50% · 4.625%
HK$25,567
+HK$1,280/mo
Deposit HK$1.95M · loan HK$4.54M · min. income ≈ HK$48,574/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$183,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,630
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,458
−HK$842/mo
Today · 4.125%
HK$28,300
baseline
▲ 0.50% · 4.625%
HK$30,022
+HK$1,722/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$56,600/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$183,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,625
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,420
−HK$806/mo
Today · 4.125%
HK$31,226
baseline
▲ 0.50% · 4.625%
HK$32,872
+HK$1,646/mo
Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$62,452/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$183,800 · 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).