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$14,589
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,043
−HK$461/mo
Today · 4.125%
HK$15,504
baseline
▲ 0.50% · 4.625%
HK$16,448
+HK$944/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,008/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,231
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,666
−HK$442/mo
Today · 4.125%
HK$17,108
baseline
▲ 0.50% · 4.625%
HK$18,009
+HK$901/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,216/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$174,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,507
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,052
−HK$553/mo
Today · 4.125%
HK$18,605
baseline
▲ 0.50% · 4.625%
HK$19,737
+HK$1,132/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$37,210/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,477
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,999
−HK$530/mo
Today · 4.125%
HK$20,529
baseline
▲ 0.50% · 4.625%
HK$21,611
+HK$1,082/mo
Deposit HK$2.56M · loan HK$3.84M · min. income ≈ HK$41,058/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$174,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,425
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,061
−HK$645/mo
Today · 4.125%
HK$21,706
baseline
▲ 0.50% · 4.625%
HK$23,027
+HK$1,321/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$43,412/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,723
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,332
−HK$619/mo
Today · 4.125%
HK$23,951
baseline
▲ 0.50% · 4.625%
HK$25,213
+HK$1,262/mo
Deposit HK$1.92M · loan HK$4.48M · min. income ≈ HK$47,902/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$174,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,261
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,078
−HK$830/mo
Today · 4.125%
HK$27,908
baseline
▲ 0.50% · 4.625%
HK$29,606
+HK$1,698/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$55,816/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$174,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,215
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$29,999
−HK$795/mo
Today · 4.125%
HK$30,794
baseline
▲ 0.50% · 4.625%
HK$32,417
+HK$1,623/mo
Deposit HK$640K · loan HK$5.76M · min. income ≈ HK$61,588/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$174,818 · 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).