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$15,172
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,644
−HK$479/mo
Today · 4.125%
HK$16,123
baseline
▲ 0.50% · 4.625%
HK$17,104
+HK$981/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$32,246/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,878
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,331
−HK$459/mo
Today · 4.125%
HK$17,790
baseline
▲ 0.50% · 4.625%
HK$18,728
+HK$938/mo
Deposit HK$3.33M · loan HK$3.33M · min. income ≈ HK$35,580/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$199,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,206
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,772
−HK$576/mo
Today · 4.125%
HK$19,348
baseline
▲ 0.50% · 4.625%
HK$20,525
+HK$1,177/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,696/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,254
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,797
−HK$551/mo
Today · 4.125%
HK$21,348
baseline
▲ 0.50% · 4.625%
HK$22,474
+HK$1,126/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,696/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,240
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,901
−HK$671/mo
Today · 4.125%
HK$22,572
baseline
▲ 0.50% · 4.625%
HK$23,946
+HK$1,374/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$45,144/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,630
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,263
−HK$643/mo
Today · 4.125%
HK$24,906
baseline
▲ 0.50% · 4.625%
HK$26,219
+HK$1,313/mo
Deposit HK$2.00M · loan HK$4.66M · min. income ≈ HK$49,812/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$199,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,309
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,158
−HK$863/mo
Today · 4.125%
HK$29,021
baseline
▲ 0.50% · 4.625%
HK$30,787
+HK$1,766/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$58,042/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,381
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,196
−HK$826/mo
Today · 4.125%
HK$32,022
baseline
▲ 0.50% · 4.625%
HK$33,710
+HK$1,688/mo
Deposit HK$665K · loan HK$5.99M · min. income ≈ HK$64,044/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$199,605 · 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).