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$14,293
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,738
−HK$452/mo
Today · 4.125%
HK$15,190
baseline
▲ 0.50% · 4.625%
HK$16,114
+HK$924/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$30,380/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$161,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,901
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,328
−HK$432/mo
Today · 4.125%
HK$16,760
baseline
▲ 0.50% · 4.625%
HK$17,644
+HK$884/mo
Deposit HK$3.13M · loan HK$3.13M · min. income ≈ HK$33,520/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$161,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,152
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,685
−HK$543/mo
Today · 4.125%
HK$18,228
baseline
▲ 0.50% · 4.625%
HK$19,337
+HK$1,109/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$36,456/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,081
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,593
−HK$519/mo
Today · 4.125%
HK$20,112
baseline
▲ 0.50% · 4.625%
HK$21,172
+HK$1,060/mo
Deposit HK$2.51M · loan HK$3.76M · min. income ≈ HK$40,224/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$161,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,011
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,633
−HK$632/mo
Today · 4.125%
HK$21,265
baseline
▲ 0.50% · 4.625%
HK$22,559
+HK$1,294/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$42,530/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,262
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,859
−HK$605/mo
Today · 4.125%
HK$23,464
baseline
▲ 0.50% · 4.625%
HK$24,701
+HK$1,237/mo
Deposit HK$1.88M · loan HK$4.39M · min. income ≈ HK$46,928/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$161,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,728
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,528
−HK$813/mo
Today · 4.125%
HK$27,341
baseline
▲ 0.50% · 4.625%
HK$29,005
+HK$1,664/mo
Deposit HK$627K · loan HK$5.64M · min. income ≈ HK$54,682/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$161,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,622
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,390
−HK$778/mo
Today · 4.125%
HK$30,168
baseline
▲ 0.50% · 4.625%
HK$31,759
+HK$1,591/mo
Deposit HK$627K · loan HK$5.64M · min. income ≈ HK$60,336/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$161,829 · 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).