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$15,674
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,161
−HK$496/mo
Today · 4.125%
HK$16,657
baseline
▲ 0.50% · 4.625%
HK$17,670
+HK$1,013/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$33,314/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,437
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,905
−HK$474/mo
Today · 4.125%
HK$18,379
baseline
▲ 0.50% · 4.625%
HK$19,348
+HK$969/mo
Deposit HK$3.44M · loan HK$3.44M · min. income ≈ HK$36,758/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$206,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,809
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,394
−HK$594/mo
Today · 4.125%
HK$19,988
baseline
▲ 0.50% · 4.625%
HK$21,204
+HK$1,216/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$39,976/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,925
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,486
−HK$569/mo
Today · 4.125%
HK$22,055
baseline
▲ 0.50% · 4.625%
HK$23,218
+HK$1,163/mo
Deposit HK$2.75M · loan HK$4.12M · min. income ≈ HK$44,110/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$206,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,944
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,626
−HK$694/mo
Today · 4.125%
HK$23,320
baseline
▲ 0.50% · 4.625%
HK$24,739
+HK$1,419/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$46,640/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,412
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,067
−HK$664/mo
Today · 4.125%
HK$25,731
baseline
▲ 0.50% · 4.625%
HK$27,087
+HK$1,356/mo
Deposit HK$2.06M · loan HK$4.81M · min. income ≈ HK$51,462/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$206,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,213
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,091
−HK$891/mo
Today · 4.125%
HK$29,982
baseline
▲ 0.50% · 4.625%
HK$31,807
+HK$1,825/mo
Deposit HK$687K · loan HK$6.19M · min. income ≈ HK$59,964/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,387
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,229
−HK$854/mo
Today · 4.125%
HK$33,083
baseline
▲ 0.50% · 4.625%
HK$34,826
+HK$1,743/mo
Deposit HK$687K · loan HK$6.19M · min. income ≈ HK$66,166/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$206,213 · 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).