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$14,482
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,932
−HK$458/mo
Today · 4.125%
HK$15,390
baseline
▲ 0.50% · 4.625%
HK$16,326
+HK$936/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$30,780/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,111
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,543
−HK$438/mo
Today · 4.125%
HK$16,981
baseline
▲ 0.50% · 4.625%
HK$17,876
+HK$895/mo
Deposit HK$3.18M · loan HK$3.18M · min. income ≈ HK$33,962/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$170,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,378
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,919
−HK$549/mo
Today · 4.125%
HK$18,468
baseline
▲ 0.50% · 4.625%
HK$19,591
+HK$1,123/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$36,936/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,333
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,851
−HK$526/mo
Today · 4.125%
HK$20,377
baseline
▲ 0.50% · 4.625%
HK$21,451
+HK$1,074/mo
Deposit HK$2.54M · loan HK$3.81M · min. income ≈ HK$40,754/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$170,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,274
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,905
−HK$641/mo
Today · 4.125%
HK$21,546
baseline
▲ 0.50% · 4.625%
HK$22,857
+HK$1,311/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$43,092/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,555
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,160
−HK$614/mo
Today · 4.125%
HK$23,774
baseline
▲ 0.50% · 4.625%
HK$25,027
+HK$1,253/mo
Deposit HK$1.91M · loan HK$4.45M · min. income ≈ HK$47,548/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$170,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,067
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,878
−HK$824/mo
Today · 4.125%
HK$27,702
baseline
▲ 0.50% · 4.625%
HK$29,387
+HK$1,685/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$55,404/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$170,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,999
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,777
−HK$789/mo
Today · 4.125%
HK$30,566
baseline
▲ 0.50% · 4.625%
HK$32,177
+HK$1,611/mo
Deposit HK$635K · loan HK$5.72M · min. income ≈ HK$61,132/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$170,090 · 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).