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$15,481
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,963
−HK$489/mo
Today · 4.125%
HK$16,452
baseline
▲ 0.50% · 4.625%
HK$17,453
+HK$1,001/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$32,904/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,223
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,685
−HK$468/mo
Today · 4.125%
HK$18,153
baseline
▲ 0.50% · 4.625%
HK$19,110
+HK$957/mo
Deposit HK$3.39M · loan HK$3.39M · min. income ≈ HK$36,306/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$203,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,577
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,155
−HK$587/mo
Today · 4.125%
HK$19,742
baseline
▲ 0.50% · 4.625%
HK$20,944
+HK$1,202/mo
Deposit HK$2.72M · loan HK$4.07M · min. income ≈ HK$39,484/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,667
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,222
−HK$562/mo
Today · 4.125%
HK$21,784
baseline
▲ 0.50% · 4.625%
HK$22,932
+HK$1,148/mo
Deposit HK$2.72M · loan HK$4.07M · min. income ≈ HK$43,568/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$203,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,674
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,348
−HK$685/mo
Today · 4.125%
HK$23,033
baseline
▲ 0.50% · 4.625%
HK$24,434
+HK$1,401/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$46,066/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,112
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,758
−HK$656/mo
Today · 4.125%
HK$25,414
baseline
▲ 0.50% · 4.625%
HK$26,754
+HK$1,340/mo
Deposit HK$2.04M · loan HK$4.75M · min. income ≈ HK$50,828/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$203,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,866
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,733
−HK$881/mo
Today · 4.125%
HK$29,614
baseline
▲ 0.50% · 4.625%
HK$31,416
+HK$1,802/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$59,228/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,001
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,832
−HK$844/mo
Today · 4.125%
HK$32,676
baseline
▲ 0.50% · 4.625%
HK$34,398
+HK$1,722/mo
Deposit HK$679K · loan HK$6.11M · min. income ≈ HK$65,352/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$203,678 · 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).