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$14,389
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,837
−HK$455/mo
Today · 4.125%
HK$15,292
baseline
▲ 0.50% · 4.625%
HK$16,222
+HK$930/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$30,584/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,008
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,437
−HK$436/mo
Today · 4.125%
HK$16,873
baseline
▲ 0.50% · 4.625%
HK$17,762
+HK$889/mo
Deposit HK$3.16M · loan HK$3.16M · min. income ≈ HK$33,746/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$166,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,267
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,804
−HK$546/mo
Today · 4.125%
HK$18,350
baseline
▲ 0.50% · 4.625%
HK$19,466
+HK$1,116/mo
Deposit HK$2.52M · loan HK$3.79M · min. income ≈ HK$36,700/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,209
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,725
−HK$522/mo
Today · 4.125%
HK$20,247
baseline
▲ 0.50% · 4.625%
HK$21,314
+HK$1,067/mo
Deposit HK$2.52M · loan HK$3.79M · min. income ≈ HK$40,494/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$166,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,145
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,771
−HK$637/mo
Today · 4.125%
HK$21,408
baseline
▲ 0.50% · 4.625%
HK$22,711
+HK$1,303/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$42,816/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,411
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,012
−HK$610/mo
Today · 4.125%
HK$23,622
baseline
▲ 0.50% · 4.625%
HK$24,867
+HK$1,245/mo
Deposit HK$1.89M · loan HK$4.42M · min. income ≈ HK$47,244/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$166,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,901
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,706
−HK$819/mo
Today · 4.125%
HK$27,525
baseline
▲ 0.50% · 4.625%
HK$29,200
+HK$1,675/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$55,050/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$166,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,814
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,587
−HK$784/mo
Today · 4.125%
HK$30,371
baseline
▲ 0.50% · 4.625%
HK$31,972
+HK$1,601/mo
Deposit HK$631K · loan HK$5.68M · min. income ≈ HK$60,742/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$166,034 · 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).