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$15,756
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,246
−HK$498/mo
Today · 4.125%
HK$16,744
baseline
▲ 0.50% · 4.625%
HK$17,763
+HK$1,019/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$33,488/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,528
−HK$947/mo
▼ 0.25% · 3.875%
HK$17,998
−HK$477/mo
Today · 4.125%
HK$18,475
baseline
▲ 0.50% · 4.625%
HK$19,449
+HK$974/mo
Deposit HK$3.45M · loan HK$3.45M · min. income ≈ HK$36,950/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$207,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,907
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,495
−HK$598/mo
Today · 4.125%
HK$20,093
baseline
▲ 0.50% · 4.625%
HK$21,315
+HK$1,222/mo
Deposit HK$2.76M · loan HK$4.15M · min. income ≈ HK$40,186/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,034
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,598
−HK$572/mo
Today · 4.125%
HK$22,170
baseline
▲ 0.50% · 4.625%
HK$23,339
+HK$1,169/mo
Deposit HK$2.76M · loan HK$4.15M · min. income ≈ HK$44,340/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$207,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,058
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,744
−HK$697/mo
Today · 4.125%
HK$23,441
baseline
▲ 0.50% · 4.625%
HK$24,868
+HK$1,427/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$46,882/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,540
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,198
−HK$667/mo
Today · 4.125%
HK$25,865
baseline
▲ 0.50% · 4.625%
HK$27,229
+HK$1,364/mo
Deposit HK$2.07M · loan HK$4.84M · min. income ≈ HK$51,730/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$207,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,361
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,243
−HK$896/mo
Today · 4.125%
HK$30,139
baseline
▲ 0.50% · 4.625%
HK$31,973
+HK$1,834/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$60,278/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,551
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,397
−HK$858/mo
Today · 4.125%
HK$33,255
baseline
▲ 0.50% · 4.625%
HK$35,008
+HK$1,753/mo
Deposit HK$691K · loan HK$6.22M · min. income ≈ HK$66,510/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$207,291 · 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).