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$15,717
−HK$986/mo
▼ 0.25% · 3.875%
HK$16,206
−HK$497/mo
Today · 4.125%
HK$16,703
baseline
▲ 0.50% · 4.625%
HK$17,719
+HK$1,016/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,406/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,485
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,954
−HK$476/mo
Today · 4.125%
HK$18,430
baseline
▲ 0.50% · 4.625%
HK$19,401
+HK$971/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,860/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$206,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,861
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,447
−HK$596/mo
Today · 4.125%
HK$20,043
baseline
▲ 0.50% · 4.625%
HK$21,263
+HK$1,220/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$40,086/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,982
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,545
−HK$571/mo
Today · 4.125%
HK$22,116
baseline
▲ 0.50% · 4.625%
HK$23,282
+HK$1,166/mo
Deposit HK$2.76M · loan HK$4.14M · min. income ≈ HK$44,232/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,004
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,689
−HK$695/mo
Today · 4.125%
HK$23,384
baseline
▲ 0.50% · 4.625%
HK$24,807
+HK$1,423/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$46,768/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,479
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,136
−HK$666/mo
Today · 4.125%
HK$25,802
baseline
▲ 0.50% · 4.625%
HK$27,162
+HK$1,360/mo
Deposit HK$2.07M · loan HK$4.82M · min. income ≈ HK$51,604/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,291
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,171
−HK$894/mo
Today · 4.125%
HK$30,065
baseline
▲ 0.50% · 4.625%
HK$31,895
+HK$1,830/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$60,130/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,474
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,318
−HK$856/mo
Today · 4.125%
HK$33,174
baseline
▲ 0.50% · 4.625%
HK$34,923
+HK$1,749/mo
Deposit HK$689K · loan HK$6.20M · min. income ≈ HK$66,348/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$206,783 · 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).