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$14,373
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,821
−HK$454/mo
Today · 4.125%
HK$15,275
baseline
▲ 0.50% · 4.625%
HK$16,204
+HK$929/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$30,550/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,990
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,419
−HK$435/mo
Today · 4.125%
HK$16,854
baseline
▲ 0.50% · 4.625%
HK$17,743
+HK$889/mo
Deposit HK$3.15M · loan HK$3.15M · min. income ≈ HK$33,708/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$165,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,248
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,785
−HK$545/mo
Today · 4.125%
HK$18,330
baseline
▲ 0.50% · 4.625%
HK$19,445
+HK$1,115/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$36,660/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,188
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,703
−HK$522/mo
Today · 4.125%
HK$20,225
baseline
▲ 0.50% · 4.625%
HK$21,291
+HK$1,066/mo
Deposit HK$2.52M · loan HK$3.78M · min. income ≈ HK$40,450/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$165,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,123
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,749
−HK$636/mo
Today · 4.125%
HK$21,385
baseline
▲ 0.50% · 4.625%
HK$22,686
+HK$1,301/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$42,770/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,386
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,987
−HK$609/mo
Today · 4.125%
HK$23,596
baseline
▲ 0.50% · 4.625%
HK$24,840
+HK$1,244/mo
Deposit HK$1.89M · loan HK$4.41M · min. income ≈ HK$47,192/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$165,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,872
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,677
−HK$818/mo
Today · 4.125%
HK$27,495
baseline
▲ 0.50% · 4.625%
HK$29,168
+HK$1,673/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$54,990/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$165,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,783
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,554
−HK$784/mo
Today · 4.125%
HK$30,338
baseline
▲ 0.50% · 4.625%
HK$31,937
+HK$1,599/mo
Deposit HK$630K · loan HK$5.67M · min. income ≈ HK$60,676/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$165,344 · 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).