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$14,867
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,329
−HK$470/mo
Today · 4.125%
HK$15,799
baseline
▲ 0.50% · 4.625%
HK$16,761
+HK$962/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$31,598/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$186,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,539
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,983
−HK$450/mo
Today · 4.125%
HK$17,433
baseline
▲ 0.50% · 4.625%
HK$18,352
+HK$919/mo
Deposit HK$3.26M · loan HK$3.26M · min. income ≈ HK$34,866/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$186,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,840
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,395
−HK$564/mo
Today · 4.125%
HK$18,959
baseline
▲ 0.50% · 4.625%
HK$20,113
+HK$1,154/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$37,918/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,847
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,380
−HK$540/mo
Today · 4.125%
HK$20,920
baseline
▲ 0.50% · 4.625%
HK$22,022
+HK$1,102/mo
Deposit HK$2.61M · loan HK$3.91M · min. income ≈ HK$41,840/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$186,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,814
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,461
−HK$658/mo
Today · 4.125%
HK$22,119
baseline
▲ 0.50% · 4.625%
HK$23,465
+HK$1,346/mo
Deposit HK$1.96M · loan HK$4.56M · min. income ≈ HK$44,238/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,155
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,776
−HK$630/mo
Today · 4.125%
HK$24,406
baseline
▲ 0.50% · 4.625%
HK$25,693
+HK$1,287/mo
Deposit HK$1.96M · loan HK$4.56M · min. income ≈ HK$48,812/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$186,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,761
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,593
−HK$846/mo
Today · 4.125%
HK$28,439
baseline
▲ 0.50% · 4.625%
HK$30,169
+HK$1,730/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$56,878/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$186,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,771
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,569
−HK$810/mo
Today · 4.125%
HK$31,379
baseline
▲ 0.50% · 4.625%
HK$33,033
+HK$1,654/mo
Deposit HK$652K · loan HK$5.87M · min. income ≈ HK$62,758/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$186,988 · 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).