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$13,842
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,272
−HK$438/mo
Today · 4.125%
HK$14,710
baseline
▲ 0.50% · 4.625%
HK$15,605
+HK$895/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,420/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,399
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,812
−HK$419/mo
Today · 4.125%
HK$16,231
baseline
▲ 0.50% · 4.625%
HK$17,086
+HK$855/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,462/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,610
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,127
−HK$525/mo
Today · 4.125%
HK$17,652
baseline
▲ 0.50% · 4.625%
HK$18,726
+HK$1,074/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,304/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,478
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,974
−HK$503/mo
Today · 4.125%
HK$19,477
baseline
▲ 0.50% · 4.625%
HK$20,503
+HK$1,026/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,954/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,378
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,981
−HK$612/mo
Today · 4.125%
HK$20,593
baseline
▲ 0.50% · 4.625%
HK$21,847
+HK$1,254/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,186/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,558
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,136
−HK$587/mo
Today · 4.125%
HK$22,723
baseline
▲ 0.50% · 4.625%
HK$23,921
+HK$1,198/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,446/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,915
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,690
−HK$787/mo
Today · 4.125%
HK$26,477
baseline
▲ 0.50% · 4.625%
HK$28,088
+HK$1,611/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$52,954/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$142,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,718
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,461
−HK$754/mo
Today · 4.125%
HK$29,215
baseline
▲ 0.50% · 4.625%
HK$30,755
+HK$1,540/mo
Deposit HK$607K · loan HK$5.46M · min. income ≈ HK$58,430/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$142,021 · 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).