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$14,382
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,829
−HK$454/mo
Today · 4.125%
HK$15,283
baseline
▲ 0.50% · 4.625%
HK$16,213
+HK$930/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,566/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,999
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,428
−HK$436/mo
Today · 4.125%
HK$16,864
baseline
▲ 0.50% · 4.625%
HK$17,753
+HK$889/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,728/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,258
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,795
−HK$545/mo
Today · 4.125%
HK$18,340
baseline
▲ 0.50% · 4.625%
HK$19,456
+HK$1,116/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,680/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,199
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,714
−HK$523/mo
Today · 4.125%
HK$20,237
baseline
▲ 0.50% · 4.625%
HK$21,303
+HK$1,066/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,474/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,134
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,761
−HK$636/mo
Today · 4.125%
HK$21,397
baseline
▲ 0.50% · 4.625%
HK$22,699
+HK$1,302/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,794/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,399
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$23,000
−HK$609/mo
Today · 4.125%
HK$23,609
baseline
▲ 0.50% · 4.625%
HK$24,854
+HK$1,245/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,218/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,887
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,692
−HK$818/mo
Today · 4.125%
HK$27,510
baseline
▲ 0.50% · 4.625%
HK$29,184
+HK$1,674/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$55,020/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$165,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,799
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,571
−HK$784/mo
Today · 4.125%
HK$30,355
baseline
▲ 0.50% · 4.625%
HK$31,955
+HK$1,600/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$60,710/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$165,702 · 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).