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$15,134
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,605
−HK$478/mo
Today · 4.125%
HK$16,083
baseline
▲ 0.50% · 4.625%
HK$17,062
+HK$979/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,166/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,836
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,288
−HK$458/mo
Today · 4.125%
HK$17,746
baseline
▲ 0.50% · 4.625%
HK$18,681
+HK$935/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,492/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$198,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,161
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,726
−HK$573/mo
Today · 4.125%
HK$19,299
baseline
▲ 0.50% · 4.625%
HK$20,474
+HK$1,175/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$38,598/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,204
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,745
−HK$550/mo
Today · 4.125%
HK$21,295
baseline
▲ 0.50% · 4.625%
HK$22,418
+HK$1,123/mo
Deposit HK$2.65M · loan HK$3.98M · min. income ≈ HK$42,590/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$198,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,187
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,846
−HK$670/mo
Today · 4.125%
HK$22,516
baseline
▲ 0.50% · 4.625%
HK$23,886
+HK$1,370/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,032/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,571
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,203
−HK$641/mo
Today · 4.125%
HK$24,844
baseline
▲ 0.50% · 4.625%
HK$26,154
+HK$1,310/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,688/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$198,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,241
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$28,088
−HK$861/mo
Today · 4.125%
HK$28,949
baseline
▲ 0.50% · 4.625%
HK$30,711
+HK$1,762/mo
Deposit HK$664K · loan HK$5.97M · min. income ≈ HK$57,898/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$198,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,305
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,118
−HK$825/mo
Today · 4.125%
HK$31,943
baseline
▲ 0.50% · 4.625%
HK$33,626
+HK$1,683/mo
Deposit HK$664K · loan HK$5.97M · min. income ≈ HK$63,886/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$198,692 · 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).