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$14,414
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,862
−HK$456/mo
Today · 4.125%
HK$15,318
baseline
▲ 0.50% · 4.625%
HK$16,250
+HK$932/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,636/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,035
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,465
−HK$437/mo
Today · 4.125%
HK$16,902
baseline
▲ 0.50% · 4.625%
HK$17,793
+HK$891/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,804/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$167,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,297
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,835
−HK$546/mo
Today · 4.125%
HK$18,381
baseline
▲ 0.50% · 4.625%
HK$19,500
+HK$1,119/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$36,762/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,242
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,758
−HK$524/mo
Today · 4.125%
HK$20,282
baseline
▲ 0.50% · 4.625%
HK$21,351
+HK$1,069/mo
Deposit HK$2.53M · loan HK$3.79M · min. income ≈ HK$40,564/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$167,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,179
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,807
−HK$638/mo
Today · 4.125%
HK$21,445
baseline
▲ 0.50% · 4.625%
HK$22,750
+HK$1,305/mo
Deposit HK$1.90M · loan HK$4.42M · min. income ≈ HK$42,890/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$167,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,449
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,052
−HK$610/mo
Today · 4.125%
HK$23,662
baseline
▲ 0.50% · 4.625%
HK$24,910
+HK$1,248/mo
Deposit HK$1.90M · loan HK$4.42M · min. income ≈ HK$47,324/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$167,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,945
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,752
−HK$820/mo
Today · 4.125%
HK$27,572
baseline
▲ 0.50% · 4.625%
HK$29,250
+HK$1,678/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$55,144/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$167,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,864
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,638
−HK$785/mo
Today · 4.125%
HK$30,423
baseline
▲ 0.50% · 4.625%
HK$32,027
+HK$1,604/mo
Deposit HK$632K · loan HK$5.69M · min. income ≈ HK$60,846/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$167,118 · 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).