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$13,963
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,398
−HK$441/mo
Today · 4.125%
HK$14,839
baseline
▲ 0.50% · 4.625%
HK$15,742
+HK$903/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$29,678/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,534
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,951
−HK$422/mo
Today · 4.125%
HK$16,373
baseline
▲ 0.50% · 4.625%
HK$17,237
+HK$864/mo
Deposit HK$3.06M · loan HK$3.06M · min. income ≈ HK$32,746/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$147,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,756
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,277
−HK$530/mo
Today · 4.125%
HK$17,807
baseline
▲ 0.50% · 4.625%
HK$18,890
+HK$1,083/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$35,614/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,641
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,141
−HK$507/mo
Today · 4.125%
HK$19,648
baseline
▲ 0.50% · 4.625%
HK$20,684
+HK$1,036/mo
Deposit HK$2.45M · loan HK$3.67M · min. income ≈ HK$39,296/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$147,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,549
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,157
−HK$618/mo
Today · 4.125%
HK$20,775
baseline
▲ 0.50% · 4.625%
HK$22,039
+HK$1,264/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$41,550/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,748
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,331
−HK$592/mo
Today · 4.125%
HK$22,923
baseline
▲ 0.50% · 4.625%
HK$24,131
+HK$1,208/mo
Deposit HK$1.84M · loan HK$4.29M · min. income ≈ HK$45,846/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$147,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,134
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,916
−HK$794/mo
Today · 4.125%
HK$26,710
baseline
▲ 0.50% · 4.625%
HK$28,336
+HK$1,626/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$53,420/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,962
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,712
−HK$760/mo
Today · 4.125%
HK$29,472
baseline
▲ 0.50% · 4.625%
HK$31,026
+HK$1,554/mo
Deposit HK$612K · loan HK$5.51M · min. income ≈ HK$58,944/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$147,364 · 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).