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$13,852
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,283
−HK$438/mo
Today · 4.125%
HK$14,721
baseline
▲ 0.50% · 4.625%
HK$15,616
+HK$895/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$29,442/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,410
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,823
−HK$420/mo
Today · 4.125%
HK$16,243
baseline
▲ 0.50% · 4.625%
HK$17,099
+HK$856/mo
Deposit HK$3.04M · loan HK$3.04M · min. income ≈ HK$32,486/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$142,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,622
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,139
−HK$526/mo
Today · 4.125%
HK$17,665
baseline
▲ 0.50% · 4.625%
HK$18,740
+HK$1,075/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$35,330/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,492
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,988
−HK$503/mo
Today · 4.125%
HK$19,491
baseline
▲ 0.50% · 4.625%
HK$20,519
+HK$1,028/mo
Deposit HK$2.43M · loan HK$3.64M · min. income ≈ HK$38,982/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$142,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,393
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,996
−HK$613/mo
Today · 4.125%
HK$20,609
baseline
▲ 0.50% · 4.625%
HK$21,863
+HK$1,254/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$41,218/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,574
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,153
−HK$587/mo
Today · 4.125%
HK$22,740
baseline
▲ 0.50% · 4.625%
HK$23,938
+HK$1,198/mo
Deposit HK$1.82M · loan HK$4.25M · min. income ≈ HK$45,480/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$142,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,933
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,709
−HK$788/mo
Today · 4.125%
HK$26,497
baseline
▲ 0.50% · 4.625%
HK$28,109
+HK$1,612/mo
Deposit HK$607K · loan HK$5.47M · min. income ≈ HK$52,994/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,738
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,482
−HK$755/mo
Today · 4.125%
HK$29,237
baseline
▲ 0.50% · 4.625%
HK$30,778
+HK$1,541/mo
Deposit HK$607K · loan HK$5.47M · min. income ≈ HK$58,474/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$142,472 · 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).