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$15,796
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,288
−HK$499/mo
Today · 4.125%
HK$16,787
baseline
▲ 0.50% · 4.625%
HK$17,808
+HK$1,021/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$33,574/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,573
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,044
−HK$479/mo
Today · 4.125%
HK$18,523
baseline
▲ 0.50% · 4.625%
HK$19,499
+HK$976/mo
Deposit HK$3.46M · loan HK$3.46M · min. income ≈ HK$37,046/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$207,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,955
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,545
−HK$599/mo
Today · 4.125%
HK$20,144
baseline
▲ 0.50% · 4.625%
HK$21,370
+HK$1,226/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$40,288/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,088
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,653
−HK$574/mo
Today · 4.125%
HK$22,227
baseline
▲ 0.50% · 4.625%
HK$23,399
+HK$1,172/mo
Deposit HK$2.77M · loan HK$4.16M · min. income ≈ HK$44,454/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$207,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,115
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,803
−HK$698/mo
Today · 4.125%
HK$23,501
baseline
▲ 0.50% · 4.625%
HK$24,931
+HK$1,430/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$47,002/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,602
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,262
−HK$670/mo
Today · 4.125%
HK$25,932
baseline
▲ 0.50% · 4.625%
HK$27,298
+HK$1,366/mo
Deposit HK$2.08M · loan HK$4.85M · min. income ≈ HK$51,864/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$207,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,433
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,318
−HK$898/mo
Today · 4.125%
HK$30,216
baseline
▲ 0.50% · 4.625%
HK$32,055
+HK$1,839/mo
Deposit HK$693K · loan HK$6.23M · min. income ≈ HK$60,432/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,632
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,480
−HK$861/mo
Today · 4.125%
HK$33,341
baseline
▲ 0.50% · 4.625%
HK$35,098
+HK$1,757/mo
Deposit HK$693K · loan HK$6.23M · min. income ≈ HK$66,682/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$207,822 · 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).