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$14,960
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,426
−HK$472/mo
Today · 4.125%
HK$15,898
baseline
▲ 0.50% · 4.625%
HK$16,866
+HK$968/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$31,796/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,643
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,089
−HK$453/mo
Today · 4.125%
HK$17,542
baseline
▲ 0.50% · 4.625%
HK$18,467
+HK$925/mo
Deposit HK$3.28M · loan HK$3.28M · min. income ≈ HK$35,084/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$191,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,952
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,511
−HK$567/mo
Today · 4.125%
HK$19,078
baseline
▲ 0.50% · 4.625%
HK$20,239
+HK$1,161/mo
Deposit HK$2.62M · loan HK$3.94M · min. income ≈ HK$38,156/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,972
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,507
−HK$544/mo
Today · 4.125%
HK$21,051
baseline
▲ 0.50% · 4.625%
HK$22,160
+HK$1,109/mo
Deposit HK$2.62M · loan HK$3.94M · min. income ≈ HK$42,102/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$191,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,944
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,596
−HK$662/mo
Today · 4.125%
HK$22,258
baseline
▲ 0.50% · 4.625%
HK$23,612
+HK$1,354/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$44,516/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,300
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,925
−HK$634/mo
Today · 4.125%
HK$24,559
baseline
▲ 0.50% · 4.625%
HK$25,854
+HK$1,295/mo
Deposit HK$1.97M · loan HK$4.59M · min. income ≈ HK$49,118/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$191,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,928
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,766
−HK$851/mo
Today · 4.125%
HK$28,617
baseline
▲ 0.50% · 4.625%
HK$30,358
+HK$1,741/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$57,234/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$191,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,958
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,761
−HK$815/mo
Today · 4.125%
HK$31,576
baseline
▲ 0.50% · 4.625%
HK$33,241
+HK$1,665/mo
Deposit HK$656K · loan HK$5.90M · min. income ≈ HK$63,152/mo (50% DSR)
Upfront cash ≈ HK$847K (deposit + AVD stamp duty HK$191,077 · 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).