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$13,912
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,345
−HK$440/mo
Today · 4.125%
HK$14,785
baseline
▲ 0.50% · 4.625%
HK$15,685
+HK$900/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$29,570/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,477
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,893
−HK$421/mo
Today · 4.125%
HK$16,314
baseline
▲ 0.50% · 4.625%
HK$17,174
+HK$860/mo
Deposit HK$3.05M · loan HK$3.05M · min. income ≈ HK$32,628/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$145,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,695
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,214
−HK$528/mo
Today · 4.125%
HK$17,742
baseline
▲ 0.50% · 4.625%
HK$18,821
+HK$1,079/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$35,484/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,573
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,071
−HK$505/mo
Today · 4.125%
HK$19,576
baseline
▲ 0.50% · 4.625%
HK$20,608
+HK$1,032/mo
Deposit HK$2.44M · loan HK$3.66M · min. income ≈ HK$39,152/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$145,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,477
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,083
−HK$616/mo
Today · 4.125%
HK$20,699
baseline
▲ 0.50% · 4.625%
HK$21,958
+HK$1,259/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$41,398/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,668
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,250
−HK$589/mo
Today · 4.125%
HK$22,839
baseline
▲ 0.50% · 4.625%
HK$24,043
+HK$1,204/mo
Deposit HK$1.83M · loan HK$4.27M · min. income ≈ HK$45,678/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$145,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,042
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,821
−HK$792/mo
Today · 4.125%
HK$26,613
baseline
▲ 0.50% · 4.625%
HK$28,232
+HK$1,619/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$53,226/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$145,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,859
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,607
−HK$758/mo
Today · 4.125%
HK$29,365
baseline
▲ 0.50% · 4.625%
HK$30,912
+HK$1,547/mo
Deposit HK$610K · loan HK$5.49M · min. income ≈ HK$58,730/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$145,128 · 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).